Free guide
Late fee waiver message template
Updated November 10, 2026. A short, honest secure message to ask for a courtesy late fee waiver.
Keep it brief and honest: how long you've had the account, the fee amount, that it was an oversight, and that your account is otherwise in good standing. Then ask one clear question.
Instant access14-day refundNo account needed
Example secure message
Subject: Fee question
“Hello,
I've had this card for 6 years. I was charged a late fee of $32.00. It was an oversight, and my account has otherwise been in good standing. Would you be able to waive it as a courtesy?
Thank you,
Jordan”
Only say it was an oversight if it really was.
The Bills Kit fills this in with your card, years and fee, includes an annual-fee version, and adds a practice fee call that walks you through a yes, a transfer or a no. It also covers phone, internet, rent renewal and cancellations. One-time $19, 14-day refund.
After you send it
- Save the reply, and check your next statement for the credit.
- If they say no, thank them. You can ask again by phone.
- Consider turning on autopay for at least the minimum payment.
Related free tools
- How to get a late fee waived
- Annual fee waiver message template
- Credit card payoff calculator
- Bill savings calculator
Can I ask for a late fee to be waived by secure message?
Yes. Most card issuers and many lenders let you send a secure message in the app or on the website. Some may ask you to call instead.
Will they waive it if I've paid late before?
It depends on the issuer and your history. A first late payment on an account in good standing is the most likely to be waived as a courtesy.
Should I pay the balance first?
Yes, if you can. Making the missed payment before you ask shows good faith and keeps more fees from adding up.
Is this financial advice?
No. It is practical communication guidance. Policies vary by issuer and account.
Guidance only, not legal, financial, or tax advice. Results vary. This is a communication aid, not a guarantee of any outcome.