INK Late Fee
Nov 27, 2023 | 9:34 am
#2
FlyerTalk Evangelist
Join Date: Dec 2006
Location: Pacific Northwest
Programs: UA Gold 1MM, AS Plat, AA EP, Bonvoy Plat, Hilton Dia, Hyatt Glob, IHG Plat, ...
Posts: 21,487
Nov 27, 2023 | 10:22 am
#3
Flyertalk Posting Legend Moderator: Credit Card Programs, American Express, Capital One, Chase, Citi, Diners Club, Eco Travel, Signatures
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA, IHG & Marriott Platinum; DL & HH Gold
Posts: 51,876
If you have a history of paying this card, and other Chase cards, on time it can help to point to that as evidence of your good intent. Bear in mind that the $39 may be only the beginning, because the late payment may also trigger finance charges (interest).
Nov 27, 2023 | 6:32 pm
#5
Join Date: Mar 2005
Programs: Continental Onepass, Hilton, Marriott, USAir and now UA
Posts: 7,382
It's been many years but the one time we missed a payment they did foregive all charges.so a phone call wouldn't hurt.
Nov 30, 2023 | 7:01 pm
#6
FlyerTalk Evangelist
Join Date: May 2008
Location: San Francisco
Programs: GM on VX, UA, AA, HA, AS, SY; Budget Fastbreak; GM with hotels; Waymo; Honda crv; iOS
Posts: 36,640
I would definitely pay the entire balance now to avoid any interest fees due to the late payment. That said I think ink business cash has a promo 0% apr so if you have it then maybe you’ll have zero interest. Gl gl
Dec 3, 2023 | 7:12 pm
#8
Join Date: Feb 2011
Location: NYC suburbs
Programs: UA LT Gold 1.2MM (BIS), AA LT Plat (SUBs, BD/Bask), Hilton Dia (CC), Hyatt Glob (BIB), et. al.
Posts: 4,599
Several excellent replies. Agree with calling and asking (groveling, begging, whatever it takes). All issuers are MUCH more likely to waive/refund/credit late fees than finance charges.
I’m very rarely in the same situation. Last time was due to having opened 2 identical Citi Hilton cards within a few days 8 or 10 years ago and confusing statement and due dates. Saw a pricy late fee and finance charges. Called Citi, pleaded my case, had all fees and charges waived and refunded/credited back. It is possible.
I’m very rarely in the same situation. Last time was due to having opened 2 identical Citi Hilton cards within a few days 8 or 10 years ago and confusing statement and due dates. Saw a pricy late fee and finance charges. Called Citi, pleaded my case, had all fees and charges waived and refunded/credited back. It is possible.