I forgot to pay a credit card on time!
@JamesHxstatic (29242)
Eugene, Oregon
October 12, 2016 12:26pm CST
The due date was yesterday and my balance was $1.50. I was caught with no cash and wanting a cup of coffee so used that card as I recall. My first thought when I saw that date was "Oh, no! The problem would be a twenty-five dollar late charge. That would be really annoying.
So, I called the bank and spoke with a nice young woman from Virginia named Bianca who had a delightful laugh. She waived any late fee for me and I paid the buck-fifty. I joked that it was costing the bank more money to get the payment than it was worth.
So, I made or saved $25.00 with a phone call, not a bad morning.
Have you ever talked a bank out of a late charge?
23 people like this
25 responses
@JamesHxstatic (29242)
• Eugene, Oregon
12 Oct 16
Now I recall that it was no coffee (that costs more), it was a parking meter!
1 person likes this
@jennyjoy (1961)
• Bangalore, India
13 Oct 16
@JamesHxstatic The parking meter was the cause of your troubles.It all ended without you having to pay the fine,so good.
1 person likes this
@infatuatedbby (95001)
• United States
12 Oct 16
I have once with Macy's - I totally forgot to make the payment (thought it was due at a later date). They cleared the late charges as I was a loyal customer which is nice!
Your situation is reasonable it was only $1.50 and to get hit with such a large fee would be unreasonable and glad the nice girl was able to remove it for you :)
4 people like this
@infatuatedbby (95001)
• United States
12 Oct 16
@JamesHxstatic Very nice to get it waived -or- else that coffee would have been quite pricey! 
2 people like this
@Hatley (163781)
• Garden Grove, California
13 Oct 16
no but I had them make a90 dollar error whem I deposited at the atm a one hundred dollar bill so called the 8hundred numbedr for ?Bof ?A n ajnd got a lady dog of a woman who told me banks do not make errors but do you want to file a complaimt I told her to get me her mangager and he could help me Hesaild of cours e thats an error we will g et your ninety dollars back ionyour account within a week. sure was a diofference in two]people who worked for the same bank.LI dld get it back in one week.
3 people like this
@Hatley (163781)
• Garden Grove, California
13 Oct 16
@JamesHxstatic bank of "'america has alwa ys been so fair with me and I have hadother baks but this one is best
2 people like this
@celticeagle (158876)
• Boise, Idaho
12 Oct 16
I'm glad to know I am not the only one that forgets to pay a bill on occasion. I have had issues with my grandson using my card for one of his video games. Once the company does a transaction it is there and he can automatically use it. I put a stop to that for he run up quite a bill. And the bank didn't charge me a fee. Then had a advance line and if I have had to take out what is in there for some emergency then it automatically takes a few dollars out of my checking to pay for any amount over the balance. So toward the end of the month when they might take 'a few dollars' out is usually when I only have a few in there. It can be frustrating to charged a fee and then have to call and explain and hope they will take it off.
3 people like this
@celticeagle (158876)
• Boise, Idaho
13 Oct 16
@JamesHxstatic .......No, I try to be very careful.
1 person likes this
@JamesHxstatic (29242)
• Eugene, Oregon
12 Oct 16
That would not be good to have to do often.
1 person likes this
@amadeo (111948)
• United States
13 Oct 16
@JamesHxstatic that is cute there.Just joshing.
1 person likes this
@JamesHxstatic (29242)
• Eugene, Oregon
12 Oct 16
@Ronrybs So do I. There is no point in paying interest.
2 people like this
@Ronrybs (17854)
• London, England
12 Oct 16
@JamesHxstatic Normally I pay the full amount, less the monthly debit, so I don't give the card company a free loan!
2 people like this
@much2say (53959)
• Los Angeles, California
13 Oct 16
That's the first thing they tell you to do - make that call - because communicating with the card folks can save you from a lot of things. I'm glad you didn't have to pay the late fee . . . that would have been a pretty expensive cup of coffee!!
3 people like this
@divalounger (5849)
• United States
12 Oct 16
Good for you! That would have been a bummer so I am glad that it worked out well for you!
3 people like this
@carebear29 (31961)
• Wausau, Wisconsin
12 Oct 16
I don't recall doing such a thing
3 people like this
@Tampa_girl7 (48908)
• United States
12 Oct 16
That's wonderful that they waived the fee.
3 people like this
@jillybean1222 (6408)
•
13 Oct 16
that's nice that they did that. whew. that would have been a pricy cup of coffee!
2 people like this
@JamesHxstatic (29242)
• Eugene, Oregon
13 Oct 16
No kidding! Not the same thing, but I did hear the other day that a drink in a Manhattan bar costs $14.
2 people like this
@DeborahDiane (40049)
• Laguna Woods, California
13 Oct 16
That would have been terrible to be charged a late fee because of a $1.50 charge! I pay almost all of my bills online, so I haven't had any late payments in a long time. However, I can remember times when it used to happen to me!
2 people like this
@JamesHxstatic (29242)
• Eugene, Oregon
13 Oct 16
Anne pays our household bills online, but I am not that progressive.
2 people like this
@JamesHxstatic (29242)
• Eugene, Oregon
14 Oct 16
@DeborahDiane That is what Anne says too. I only pay two or three with checks.
1 person likes this
@DeborahDiane (40049)
• Laguna Woods, California
14 Oct 16
@JamesHxstatic - It took me a while to get used to paying bills online; once I adjusted, I wouldn't do it any other way.
1 person likes this
@asfarasiknow (3341)
• Bournemouth, England
12 Oct 16
It's great when staff are given discretion and don't have to stick rigidly to the rules and a.script.
2 people like this
@asfarasiknow (3341)
• Bournemouth, England
12 Oct 16
@JamesHxstatic And it treats workers like individuals and grown-ups.
@teamfreak16 (43421)
• Denver, Colorado
12 Oct 16
Knowing me I'd probably just pay the late fee. I wouldn't even occur to me to call.
3 people like this
@JamesHxstatic (29242)
• Eugene, Oregon
12 Oct 16
It was so much more than the balance, that I thought of it like working for a half hour and making $25.
1 person likes this
@PatZAnthony (14752)
• Charlotte, North Carolina
13 Oct 16
Thankfully many are pretty fair about these things now. We are human and it is easy to forget certain things.
2 people like this
@BACONSTRIPSXXX (14351)
• West Haven, Connecticut
13 Oct 16
Thats a bummer, same thing happened to me with a netlfix trial, I forgot I had a credit card tied to an account and for a 7 dollar membership I ended up paying over 20 bucks
2 people like this
@RichardMeister (5328)
• Otis Orchards, Washington
13 Oct 16
Yes, I have talk my credit union out of fees. Most recently was when I told a website I no longer wanted to be a member. The funny thing is my Visa card information was out of date and they still was able to make the charge on it. I had not idea I was charge and didn't have the money in that account to cover it. I was furious. I got the fee dropped and later the charge dropped. I learned a very important lesson. If you are going to drop a website that has your card information be sure to remove the information even if it's out of date.
2 people like this
@JamesHxstatic (29242)
• Eugene, Oregon
12 Oct 16
Nothing wrong with that as long as he is around. Anne pays our household bills online. I don't like the idea of doing that.
1 person likes this
