I forgot to pay on my chase CC. Paid it late in Dec., Jan's bill came in with an additional $35.00 late fee. I called Chase threatened to pay off the card and close the account. They did my bidding. No late fee, no lates, no negs, score's up!
I put all my bills in a hat each month and keep drawing names and paying bills until there's no money left. If you don't stop harassing me, your name won't go in the hat!