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Established Contributor
thankfulheart
Posts: 619
Registered: ‎09-26-2011
0

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

[ Edited ]

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)

Established Contributor
migliogiorni
Posts: 657
Registered: ‎06-27-2012
0

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.

 

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Established Contributor
Jlu
Posts: 785
Registered: ‎06-12-2012
0

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

If they do then your moniker will become your mantra :-)
JP Morgan Select $10k | CSP $10k | Citi TY Premier $15k | BofA 3-2-1 $15k | Chase Freedom $10k | Discover IT $10k | Barclaycard $10k | AMEX SPG $5k | AMEX PRG NPSL | NASA Platinum-Advantage $10k | CapOne Quicksilver $3k | Walmart Card $5k | Amazon Card $10k | Chase Auto 1.49% | Joined myFICO 6/12 with a 540 FICO & today I'm over 750!
Contributor
jonmartin
Posts: 92
Registered: ‎06-05-2009
0

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

I got them to reverse it a few times.

NFCU Flagship Rewards Visa Signature $5,000
NFCU NavCheck LOC $10,000
Chase INK Cash $5,000
Chase Freedom $1,500
Bank of America Cash reward 123 $5,000
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Valued Member
kulamrazool82
Posts: 42
Registered: ‎08-07-2012
0

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
Established Contributor
thankfulheart
Posts: 619
Registered: ‎09-26-2011
0

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)

Valued Member
kulamrazool82
Posts: 42
Registered: ‎08-07-2012
0

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

Nice to see. Have a good one...:smileyhappy:



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
Valued Contributor
j_casteel
Posts: 1,907
Registered: ‎06-21-2012
0

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?

| Walmart $5k | Amazon $5k | NFCU $20k | NLOC $15k | Lowes $17k | BoA $17.5k | Freedom $3k | IT $4k | CSP $5k | Marriott $5k | AMEX TE $9k | Alaska $5k |
Starting Scores: EQ:571 EX:??? TU:597
Current Scores: EQ:694 EX:714 TU:711
Goal Scores: 700
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