- Centurion Member
- Posts: 508
- Joined: Tue Aug 13, 2013 10:04 pm
- Location: ca
i would call and ask, cc companies I've dealt with -- Chase, Citicard, not yet Discover *knock on wood* are very generous for the first time you're late, to reverse fees and what not.
i would explain the circumstances; maybe fidge just a bit--instead of you relying to make a payment on your own you had it on billpay or something..well either way it wouldn't matter.
"it was a mistake, first time, can you help me waive the late fee?"
since you're on 0APR you will not get any APR charges, but make sure that doesn't affect your rate.
then sign up for autopay. even if you like making the payments yourself, do the minimum then, at least with that you'd never be late, at most incur interest charges.
or better yet, apply for auto pay in full and never have to worry about it again (just make sure your checking (can be non-Chase) account or savings (which can only be done with Chase bank) always have sufficient funds otherwise you'd incur return item fee, late fee and interest charges.