<prompt> Human: I messed up twice in the past week. 1Signed up for a new credit card about a month ago. Completely forgot to log into the website and set up autopay. Got an email over the weekend from Mint telling me I was charged a late fee. Called the credit card company, politely explained that this was a new card I forgot to set up auto-pay, and asked if they could waive the 25 late fee. She quickly agreed and also waived any interest that would have accrued since I paid the full balance that day. I also set up auto-pay so it wont happen again!2Recently moved and wanted to cancel my security system monitoring, but I forgot with the chaos of moving. It auto charged my card on Friday. I called them today asking if they could cancel my subscription and refund me the 25 monthly fee. I know from previous experience that they do not normally pro-rate if you cancel in the middle of a month, but they agreed to refund me the full amount and cancel my subscription.In both cases, it was my fault for forgetting and I wasnt entitled to a refund. I was fully prepared for them to say no, and accept the fees as a stupid tax. But because I took a few minutes to call up and explain what happened and politely ask for a refund, I saved 50. :  <response>: Yep, I have often incurred a credit card fee for one reason or another most often because I only clicked the Confirm button two times while submitting a payment instead of the three different Confirms required to actually confirm..., but have never actually had to pay one since I just call and ask them to reverse it. As long as your account is in good standing and you dont have a history of late payments theyll generally refund you once. 