In the hustle and bustle of Thanksgiving and moving, I forgot to make my Discover card payment. It was due on Thanksgiving. I have never paid a credit card late and now I have a $39 late fee! Do you think if I called them they would remove this fee if I explained it was an honest mistake and tell them I moved and give them my new address?
I did this once when I went on vacation. I just called, explained the situation, and they removed the fee and (in my case they'd upped the interest rate), lowered the interest rate back to its previous point.