<prompt> Human: My insurance company takes monthly payments off my credit card and this month it didnt pass since I paid my credit card 2 days late. I called mastercard and got everything back on track and called the insurance company.Im like: hey you can take the monthly payment now and cancel that ridiculous charge 40 you made when the payment didnt pass 2 days ago.They say it costs them money when this happens...Can somebody clear this up for me? How? Why so much? Im tired of getting screwed day after day.  <response>: If you do not pay your bills on time you often get a late fee. That is how is works.You can call and ask to have it waived. Even try to escalate it to a manager. However, they are under not obligated to do so. 