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Cap1 Late Fee, any chance of getting it off? Updated!

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thankfulheart
Established Contributor

Cap1 Late Fee, any chance of getting it off? Updated!

Yesterday was a bad day for me, all around.  Chaos start to finish.  Cap1 was due and it was on my "to do" list, only I got tangled up picking someone up at the airport and didn't get the payment done until about 5:15 pm.  Sure enough, they hit me with a late fee.  I've not had a late on a CC since 2007, so it chaps my hide to think I just flushed $39.  Can't wait until I close on my house and can get some real cards and dump Cap1, but in the meantime, do I have any hope of seeing my $39 again?

Starting Score: 10/1/2011 EQ 568 TU 593
Current Score: EQ 664 TU 700 EX 701 (FAKO)

Message 1 of 8
7 REPLIES 7
migliogiorni
Established Contributor

Re: Cap1 Late Fee, any chance of getting it off?

There have been 2 instances where I've gotten Cap 1 to reverse the late fee.  I would give it a shot, GL.

 

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
Message 2 of 8
Jlu
Established Contributor

Re: Cap1 Late Fee, any chance of getting it off?

If they do then your moniker will become your mantra :-)
AMEX BCP $35k | Citi Double Cash $30k | PenFed PlatRewards $25k | Barclaycard $40k | Chase Freedom $25k | BofA Cash Rewards $40K | US Bank Cash+ $4500 | Discover IT $25k | NASA Platinum-Advantage $40k | CapOne Quicksilver $15k | Amazon Card $10k | Ten years on myFICO from 510 to 780 scores
Message 3 of 8
jonmartin
Regular Contributor

Re: Cap1 Late Fee, any chance of getting it off?

I got them to reverse it a few times.

Message 4 of 8
kulamrazool82
Valued Member

Re: Cap1 Late Fee, any chance of getting it off?

I once got reverse my overdraft fee of $29 with them. You have a chance, don't lose hope.

 

- Syed



Scores: 723 (EX CITI Pull 11/09/13), 669 (CK 11/21/13), 680 (EQ Duck Card Score 11/11/13) 664 (Walmart TU FICO Nov '13)
Duck Card - 12K | Amex BCE - 2K | Amex Costco - 1.2K | CITI TY Pref - 6.5K | Chase Freedom - 3K | DCU Visa - 5K | Genisys CU Visa - 2K | Discover More - 4.5K | Cap1 Q Silver - 1500 | Cap One Hassle Free - 1500 | Amazon Store - 1900 | Walmart Store - 800 | Kohls - 300 | Macys - 800
Message 5 of 8
thankfulheart
Established Contributor

Re: Cap1 Late Fee, any chance of getting it off? Updated!

And this morning my name really is "Thankfulheart"!  Called Cap1, not a problem at all to reverse the charge and he did something to the grace period to make it better for me.  Thanks for the encouragement to call, I really thought it would be hopeless!

Starting Score: 10/1/2011 EQ 568 TU 593
Current Score: EQ 664 TU 700 EX 701 (FAKO)

Message 6 of 8
kulamrazool82
Valued Member

Re: Cap1 Late Fee, any chance of getting it off? Updated!

Nice to see. Have a good one...Smiley Happy



Scores: 723 (EX CITI Pull 11/09/13), 669 (CK 11/21/13), 680 (EQ Duck Card Score 11/11/13) 664 (Walmart TU FICO Nov '13)
Duck Card - 12K | Amex BCE - 2K | Amex Costco - 1.2K | CITI TY Pref - 6.5K | Chase Freedom - 3K | DCU Visa - 5K | Genisys CU Visa - 2K | Discover More - 4.5K | Cap1 Q Silver - 1500 | Cap One Hassle Free - 1500 | Amazon Store - 1900 | Walmart Store - 800 | Kohls - 300 | Macys - 800
Message 7 of 8
j_casteel
Valued Contributor

Re: Cap1 Late Fee, any chance of getting it off? Updated!

not sure how "bad" cap1 is has to do with you not making a payment on time? it's awesome they took the late fee off though.

 

why not pay by mobile phone or setup auto payments or not wait til last minute?

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Message 8 of 8
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