I forgot to pay my credit card bill!

[codex57]

Definitely call and ask them to waive the fees! Most companies will do so once a year.

This. Pointing out that you pay in full each month is generally not a good thing. What they care about is that you don't have a history of it. Most companies allow one "no questions asked" waiver of fees a year.

[Octobermommy]

I called ,& made a payment but I have to call back tomorrow after the payment processes for them to waive fees. He did make notes in the system though.

Thanks ladies! I was freaking out for a moment!

[cilantromapuche]

That happened to me once and since then I put everything on automatic payment. It is too much to deal with!

[BabbyO]

Definitely call and ask them to waive the fees! Most companies will do so once a year.

On the occasions I've done this (both times right after one of the boys was born) the CC waived the fee and told me that they can do this 1x/year.

[janine]

I have never not paid my credit card bill in full each month. I still receive a paper statement but pay online. My credit card was declined today so I logged on to see that I apparantly missed a payment. I am good about receiving a statement and then scheduling a full payment. I don't see my statement anywhere so I don't know if I didn't get it or I just misplaced it.

Should I call and see if they will refund charges? I have been charged a $25 late fee and $100 (!) in interest...eek. Do they do this? I don't want to call and them say , "ya ya ya", sorry lady.

I am so embarrassed! If they don't refund charges I will be charged for interest next month also, right? Double cycle billing, ugh...help~

Yes, I've done it. I pay in full every single time. I missed a mailing and got same thing happened to me so I called and they reversed. It's routine and if you have a good record, they consider it a courtesy.

[JustMe]

Yes, I have actually done this twice--although years apart with the same company. The first time they waived the charges. The 2nd time they didn't however it was still important that I called because--and this was complicated I could not quite follow it but even after I thought I paid my fees off additional charges were appearing on my statements--something to do with how the interest accrues--so if they won't waive it, make sure you tell them you want to pay all of what you owe and not have more charges later!

[vludmilla]

I have had the fees waived more than once. I am also a pay in full customer every month.

[Octobermommy]

I have had the fees waived more than once. I am also a pay in full customer every month.

Did they refund your interest charge also? Or just the late fee?

[queenmama]

I'm curious as to why they'd decline the card with your stellar history -- or at all, really. We've missed payments before and almost always have a balance, but they've never declined a charge.

Lara

[LizLemon]

I did the same thing on a card I didn't realize I had used one month. It had something like $30 on it so then when I went to pay it the next month (about a week ago now) I saw I had late fees and interest from my new purchases. I had the same kind of mortified, panicky feeling. I still need to call them - my bigger concern than the fees is the late payment being reported to the credit reporting bureaus. I don't want this to affect my credit score! Anyone know about this?