Never Hurts to Ask

In one of my posts yesterday, I mentioned that I was assessed a late payment penalty on my credit card. I called Chase, and after looking at my account, the CSR reversed the charge. Today, I was assessed $24 in finance charges on the remaining balance, even though I sent in the full payment for last month's bill. Technically, because my payment was overdue, I was carrying a balance for 5 days at most. I called up Chase this morning, and again the CSR agreed to reverse the charge because of my "great payment history."

The moral of the story is that it never hurts to ask. I'm glad that they were willing to give me the benefit of the doubt and reverse the charges. But admittedly, it helps to have a clean credit history.