How to Dispute Late Charges on a Credit Card
Credit cards charge a fee of anywhere between $10 to $39 when payments are not received on time. You can dispute a late charge if you can prove to the credit card company that you paid your bill on time. You can also dispute a late charge if you have a relatively good track record of paying your bills on time and can convince the customer service representative that this was a simple mistake. Credit card companies can waive late fees for customers if they want to keep the customer happy.
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Instructions
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Call the customer service phone number on the back of your credit card. Ask to speak with a customer service representative about a billing or fee issue.
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Calmly explain the situation to the customer service representative. If the fee was a mistake on the credit card company's part, tell the representative the date and amount of your payment. If you forgot to make the payment, apologize to the representative, explain it was a mistake and offer to make a payment immediately.
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Request that the fee be removed. If your payment was on time, the fee should be removed promptly. If you were late on your payment, ask for a one-time waiver in the interest of customer satisfaction. You can also mention the time period that you have been a loyal customer of the bank and your track record of making on-time payments.
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Ask to speak to a supervisor if the customer service representative will not waive the fee. Remain calm and use polite language with the supervisor. Be persistent in asking for the waiver. Since the company likely does not want to lose you as a customer, they may grant the waiver if you ask for it.
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Obtain the name or employee identification number of the representative that grants you the waiver. You can use this as proof that the waiver was granted in case there is a dispute in the future.
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Tips & Warnings
Late charges are less likely to be waived if you are a repeat offender. Make on-time payments as often as possible to remain in good standing with your credit card company.
