If it less than 30 days, your score won’t go down. Credit scores only go down when a payment is 30 days or more late. Fees for being late however are reversible if you are normally responsible about paying on time. Call the card issuer and ask for a refund.
Another trick is to have all your credit cards billing period end on the same date. I use the first of every month. That way I know that at the beginning of every month, I need to settle up. But even so, just in case, everything is on autopay.
You can appeal but it won’t change the outcome. If your score is 750+ and this is your only late then it won’t matter, you’ll still get tier 1 rate and the lender will treat this as an isolated incident.
You can call and ask for forbearance as a long term, responsible customer (assuming that’s true). They can waive the fee. Not sure, however, how easy it is to remove the “ding” on the credit card once it’s been reported.
In most late-payment situations, you can call the bank and ask them to forgive the late fee as most banks don’t report immediately. If it hit your credit, it probably sat more than 30 days and a late-fee forgiveness call isn’t going to help at this point.
Once it’s reported to the bureaus, getting it removed is a much more involved process. You can try to implore the bank to remove it but it’s not likely to happen given how long you allowed the late payment to remain. This will probably just be a “lesson learned” and will need to go through the time process to eventually drop off.
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