<prompt> Human: Last week, I spaced on a credit card payment before going on a trip and got notified of being late, resulting in a 25 late fee. I called the company to see if we could do anything about it, and since it was 4 days past due, they did not report it to the credit bureau and they were able to wave the fee! It never hurts to call and ask credit card companies for reducing interest or waiving fees like this!  <response>: They dont report it as late to credit bureaus until it hits delinquent status, which is usually 30 days late. 