I did go to the local branch, called 1-800 number and emailed them. So far i have not received a positive reply. This may be a very costly mistake.
I somehow feel that the system is not fair in this regard. There was no intent of avoiding the fee, nor was an irresponsible use of credit. I did miss the fee deadline, as this card has not been used in the last 10 years. All the promotinal mail I get, I must have shredded a genunine notice.
I will update if I hear something positive.
Good luck and keep us updated.
Thank you for your responses.
I will request for a goodwill waiver, I am not sure if it will work.
It is my mistake. I often travel for work, and was gone for 6+ weeks during which the notice of annual fee came in. I somehow missed it when I was going through my mail (must have shredded it).
I sure hope BOA considers my request.
I think those exact words would help you receive goodwill from them.
If you dont have a history of lates with them or others, I think they would be more willing to help.
With a score of 815, you wouldnt have many bad items showing so I think your chances are good.
Wanted to update this thread -
BOA helped me out, and removed the 30 days late!
FICO back up to original.
Thanks all for your help, and thanks to BOA.