conversation: User (cdimino): "In November of 2016, I used a credit card that I don't normally use to make a ~$12 purchase from a grocery store.\n\nI forgot about that purchase until about February of 2017, whereupon I logged into the online portal of my credit union and made the payment of $12.\n\nApparently, in addition to the $12, I *also* owed another $12 in fees for the late payment of the original $12 (normally it'd be $35 but the fee couldn't exceed the payment amount).  This was obviously on my next statement (*not* on the February statement), but I didn't look at that statement because why would I, I never use the card.\n\nOn April 16th, 2017, I notice a delinquent payment on my credit report for the sum of $12, and I notice my credit rating with that institution (Experian) dropped 59 points, from 757 to 698.  Apparently me not paying the $12 fee for late payment put my account &gt;30 days delinquent (the original payment/charge didn't somehow).\n\nWhat can I do?  I called the credit union, and the person on the phone said that while yes, they theoretically could remove the late payment from my credit report, they wouldn't unless the fee was applied incorrectly.  He also said he'd make a request for the review of the fee, but if it's assessed as correctly applied, then I'd have to dispute it with Experian.\n\nMy plan is to get in touch with an account manager at the credit union, and see if they can't do anything more than what the guy on the phone could do (I got the sense he was a T1 support guy).  It feels like if they waive the fee for me, then technically the late payment doesn't apply, which means they would be able to tell Experian their report was inaccurate, which would get the late payment removed from my credit report, and put me back up to &gt;750.\n\nDoes this sound like a good idea?  Is there anything else I can do at this point?  The drop put my rating an entire category lower from where it was, so this could end up costing me thousands in loan rates, is that a fair assessment?  Is it also reasonable to assume that an account manager will be willing to work with me on this to keep my business?  The T1 support guy seemed to think the argument was sound, but it wasn't up to him at that point, which we both acknowledged.\n\nI just feel completely fucked right now, over such an insignificant amount of money.  Am I?"
  Self: "Pay the $12 and close the card.  Maybe cease doing all business with that CU if you're salty enough about it.  Otherwise, appealing to them as a request didn't do it, so if they want to risk losing your business over $12, so be it.  Do whatever you feel is best."
  User (cdimino): "I don't feel like I've yet talked to someone who would possibly care about that (the guy on the phone sounded like a T1 tech support guy for the online portal), but more or less this is my plan, if all else fails.  \n\nAnd for me it's less of a, "Well FINE!" move and more of a, "I clearly can't manage this extra line of credit properly so I should just close it before it fucks me any further" move."
  Self: "Exactly."
  