No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
I had a late a few years ago. I cannot remember how it happened, some sort of confusion between banks, online transfers or something... Anyways I talked to a CSR and they told me that they could forgive the first late fee no questions asked. So definitely call and explain your case. Hell when it comes to our credit I would even be happy to pay the stupid $35 fee if I could just keep that late off my credit reports!
I sent an email letter to a branch manager of a preivous CU I belonged to years ago. It was my only 30day.
Never recieved a response from him/them, but the 30day was removed.
I think the advice of sending the GW to president, is a wise move. I did the same with a GW to AMEX and it was removed within 3 days.