Next time a late fee mars your bill, ask to have it waived. It helps to have a history of timely payments made in full, as Five Cent Nickel discovered when his Citi Mastercard was hit with a $39 late fee plus finance charges.
I was, of course, really bummed. After all, we’ve never paid a late fee or an interest charge to a credit card company. Was the streak about to end? Not if I had anything to say about it!
I picked up the phone, called up Citi, explained that we’ve never been late on a payment before, and asked them if they could do anything about the fees. The CSR said he’d check and see if he could get it automatically credited back, paused for a few seconds, and then said he’d taken care of it.
It never hurts to ask. You might get exactly what you asked for. — CAREY GREENBERG-BERGER