How to Get a Late Fee Removed From a Credit Card Bill
Getting a late fee removed from a credit card bill is not an easy task, but it can be done. Credit card companies make profits from late and over-the-limit fees, and they also use financial penalties to deter customers from making late payments on their accounts. However, if you are normally a good customer who makes on-time payments on a regular basis, it may be possible to have a late fee removed from a credit card bill as a one-time courtesy.
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Instructions
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Call the number on the back of your credit card during regular business hours. Explain that you made a mistake and that your credit card payment was late. Ask that they remove the late fee as a one-time courtesy, and express your regret for the late payment oversight. Mention your usual good standing with the credit card company.
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Alternatively, if you have online access to your credit card account, you can usually contact customer service through a messaging function. Explain briefly that you would like your late fee removed as a one-time courtesy and that you are usually a good customer who made an unintentional oversight.
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If these methods do not work, you can write a letter to your credit card company, explaining that you would like the late fee removed from your bill. The proper address should be on your billing statement or available from your online account or customer service.
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You can also email your credit card company's president's office by using the Question feature of Planet Feedback (see Resources below), a popular site to communicate consumer questions, suggestions and complaints.
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Tips & Warnings
Always emphasize your previous good standing with the credit card company and use terms such as "oversight" and "one-time courtesy."
Do not lie to your creditors. If all methods of getting the late fee removed from your bill fail, pay the balance as normal to avoid further late charges.
