[Your Name]

[Your Address]
[City, State, ZIP Code]
[Email Address]
[Phone Number]
[Date]

[Credit Card Company Name]

[Credit Card Company Address]
[City, State, ZIP Code]

Subject: Request for Waiver of Late Payment Fees on Credit Card Account No. [Your
Account Number]

Dear [Credit Card Company’s Name or Credit Card Representative’s Name],

I am writing to you today to humbly request your consideration in waiving the late
payment fees that were recently applied to my credit card account (Account Number:
[Your Account Number]). I have been a loyal and responsible customer of [Credit Card
Company Name] for [number of years you’ve been a customer], and this is the first
instance where I have encountered such an unfortunate oversight.

I have always prioritized maintaining an exemplary credit record, which is reflected in my

consistent and timely payments over the years. This lapse was not intentional but rather
a result of [explain your reason - for example, an unforeseen personal emergency,
banking error, financial hardship, or simply an oversight]. [Elaborate on your reason if
necessary. For example, if it was due to a personal emergency, briefly describe the
nature of the emergency and how it led to the late payment. If it was a banking error,
provide details about the error and any steps you’ve taken to correct it.]

Under normal circumstances, I am very diligent with my financial obligations, especially

those related to credit payments. The recent incident occurred despite my usual careful
management of my financial affairs. [If applicable, mention any specific challenges you
faced that contributed to the delay, such as technical issues with online payment
systems, postal delays, or other unforeseen complications.]

I believe this incident does not reflect my overall credit behavior but is rather an
anomaly in my long-standing relationship with [Credit Card Company Name]. In
recognition of my previous good standing, I kindly ask that you consider waiving the
late payment fee as a gesture of goodwill. Doing so would greatly assist me in
managing my current financial situation more effectively, especially in light of [any
additional financial pressures or challenges you are facing, such as impacts due to
economic conditions, personal hardships, etc.].

I would also like to assure you that I have already taken steps to prevent such incidents
in the future. [Describe any actions you’ve taken, such as setting up payment reminders,
enrolling in automatic payments, or other measures to ensure timely payments.]

Furthermore, I want to express my appreciation for the excellent service I have received
as a [Credit Card Company Name] customer. Your company’s commitment to customer
satisfaction has always been evident, and it is for this reason that I chose [Credit Card
Company Name] for my credit needs. I hope to continue this relationship for many years
to come, maintaining the same level of financial responsibility that I have always strived
for.

In closing, I respectfully request that you consider my situation sympathetically and

provide a one-time waiver of the late payment fee. I am hopeful that you will
understand my position and provide a positive response to my request.

Thank you very much for your time and understanding in this matter. I look forward to
your favorable response and am available to discuss this further should you require any
additional information.

Yours sincerely,

[Your Name]