Arguing Credit Card Late Fees
Late fees. Everyone hates them, and even the most conscientious bill payers has to foot them once in a while because of a mistake, an oversight or just plain old bad timing for the bills. I’ve had to deal with late fees on my favorite credit cards before, and almost every time I’ve successfully asked to have them removed from my statement.
Credit card late fees are very high, in my opinion too high. I do understand that they want to successfully deter people from even thinking about making a late payment, but the $35-$39 late fee just seems like it’s a bit excessive - although I will say, once you see one of those babies, boy are your careful about your payment timing from that point on!
If you make a careful plea to your credit card company who has charged you this high fee, and you’ve been a good customer of theirs for a few years with a solid payment record and no delinquencies, most credit card companies will try to work with you and take the late fee off. Same goes for over the limit fees, which often range in the high amounts as well unfortunately. I’ve had this removed once or twice, because I was honest and advised that I really did not know I had busted through the limit. I also sugar coated it by asking for a limit increase, so I think they knew I had good intentions to pay whatever limit off they gave me.
