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Many people don't realize that they can appeal a credit card late fee ? especially if it's their first late payment. Many issuers will waive late fees as a courtesy to customers with good payment records. Call your issuer, explain the situation and ask a customer service representative if they can waive the fee.
You can request late fee forgiveness by verifying the late fee hit your account, calling customer service to explain the situation and agreeing to pay your balance.
I truly believe that it doesn't reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late [payment/payments] on [date/dates]. Thank you for your consideration, and I hope you'll approve my request.
Further to my previous correspondence, I am contacting you regarding late payment for invoice [invoice number]. The invoice was due on [due date], and payment is now overdue by [number of days overdue]. Be advised that late payment interest may be applied if we do not receive payment within 30 days.
Here are two of your most viable options to remove late payments from your credit report: Call Your Credit Card Issuer and Ask Them to Take the Late Payments Off Your Credit Report. ... Write a Goodwill Letter to the Creditor Explaining Why You Haven't Made Timely Payments.