As a couple of commenters suggested, I could call my credit card company and see if I could get the late fees waived after my stupid mistake. This was something I knew, but something I was reluctant to do. Would I learn anything from my mistake if I had the damage automatically un-done?
And then I realized I was being dumb. This was money we were talking about! Two late fees! $50!
So I called. Admitted my mistake, had no excuses, and asked that since I had such a long relationship with the company (nearly ten years), if it might be possible to get the late fees waived, understanding that I would still have to pay the interest that accrued during the one day where I was late.
The rep could not have been nicer. Waived the fees and said she would make sure no interest would accrue and she thanked me for staying with them for so long.
So thank you, Chase. I appreciate your confidence in me. And trust me – I will not be paying late ever again.
Megan is a 40-something government employee in the Washington, DC area. She got interested in Personal Finance when she got out of college and realized that her paycheck wasn’t going to go as far as she had hoped. Since starting this blog, she has managed to buy a house and make a solid start on her retirement goals, and hopes to help others do the same. Here is her story:
In 2007, I was a gainfully employed 20-something with no debt but not a lot of knowledge about personal finance. It was a co-worker’s comment about Roth IRAs that sent me to the internet, searching for information. It was then that I realized that I really didn’t know a whole lot about personal finance and that my current financial situation was due a lot to inherent frugal tendencies, generous family members, a fear of debt, and good luck. While that was working for me, clearly I needed a better plan.
While I had no debt, I was also pretty much living paycheck to paycheck and not worrying about going over budget (I say this as if I had a real budget) because I had an emergency fund set aside to cover any overages.
Except that’s not what an emergency fund is for.
So I did a lot of research, read a lot of blogs, and decided that I needed a plan. I needed to budget. I needed to know what I was spending my money on. I needed to prepare for the future.
I decided to create a blog not only to make myself accountable to others but also to share the knowledge that I gained along the way. I’ve learned so much from my fellow bloggers, and I hope that my readers can find something useful in what I have to share as well.