Doesn't hurt to call....

[scootch]

I am one of those who uses my credit cards for perks. I pay them off every single month but take the perks that go along with it. I mainly use my BP visa and Freedom Visa(which are on a scheduled pay full balance every month automatically). I do have a Kohl's and JCP card for the bonus coupons they send. Last month I could not find my Visa when I did my last Christmas shopping, so I took cash(something I rarely do). I make a 89$ purchase at JCP for pillows and blankets on sale and was fearful I didn't have enough cash left for lunch, so I put it on the JCP card. The holidays were extra hectic(took my 76 year old mom on oxygen to Atlanta for 5 days for a family wedding) and realized the morning of Jan 3rd, my JCP bill was due on Jan 2nd. UGGHH. They charged a $29 late fee. So I decided, oh just cancel this thing, I dont' shop there much and it isn't worth the few bonuses I get.... so I call.... they credited me the $29(yea). I may still discontinue it in a month or so, but thankfully got my late charge back. Always worth "trying" if you find yourself in the same problem...

 

[DisneyMissy318]

I actually had good luck getting a late fee reversed - with CHASE no less! We were leaving for Florida on December 4 - I paid every December bill we had on December 2 - just so everything would be paid before vacation and Christmas and so I wouldn't forget anything! It was nice not having to think about any of that. I never checked my accounts again until it was time to set up my payments for January. I saw that I had incurred a late fee on my Chase card. I didn't call - but used the "contact us email" provided on the account.

Turns out I paid my December payment on the closing date - December 2 - which applied the payment to my November cycle - and not that for December - so in essence I didn't make a December payment. I argued back and forth - and after the third email - they agreed to refund the late fee, but I still had to make another payment - not that bad in the general scheme of things!

So... sometimes it does work!

 

[zoemurr]

will remove one late fee a year I believe.. I know I have had it done at least 3x..