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November 30, 2005



Me too! The only two times I've been late, the credit card people reversed all late charges and fees. On the Discover one a few years back, I said "I can't believe I forgot this bill, I'm hoping your Christmas present to me will be to reverse the charges" and the person laughed and said, "Merry Christmas".


BTW - if your credit card company is headquartered in MA, the maximum late penalty they can assess is $10.

I've been able to get them to reverse a late fee as well. But I'm not sure they consider me a good customer if I never pay a late fee and I never pay interest because I don't carry a balance.

However, I suppose they do actually make money via the fees they charge the merchant for every credit card transaction.

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