Sample Letter: Request Credit Card Company to Waive Late Fees

Updated on December 27, 2017
Source

Most credit card companies will give you a credit card free of cost. But a few still charge a membership fee annually. Most of these credit card companies, though, will waive the fee if you know how to request a fee waiver, and through which medium to do so. Some prefer credit card holders to request a fee waiver via a phone call, but most require a request letter from your registered email ID. This remains true for late fees, as well.

Last week I was asked to send a request letter. I searched google for a request letter template, but couldn't find one. I was forced to write the letter on my own, and I am sharing that letter here. I'm also including a sample of a letter requesting my credit card company to waive a late fee. Feel free to reference these letters when contacting your own credit card provider.

Request to Waive Membership Fee

The Manager
Credit Card Division
xxxx Bank Ltd.
London

Subject: Membership Fee

Reference: (Credit Card)

Dear (Manager's name),

This is in reference to my XXXXX Bank Credit Card No. xxxx xxxx xxxx xxxx. I have received my credit card statement dated 12/12/2000. I noticed that you have charged Rs. 2500 + tax as a membership fee.

I kindly request you to waive the membership fee and tax as a goodwill gesture to a loyal customer of yours. Many of the other credit cards I am using do not charge a membership fee.

I look forward to your confirmation that my membership fee has been waived.

Thank you.

Sincerely,
(Your Name)
(Your Billing Address)

Whether or not your membership fee will be waived depends on your bank, how you use your credit card, and your credit history. If your bank does not waive the fee, you can resort to more aggressive actions like threatening to cancel the credit card.

Portrait of Mahatma Gandhi on a rupee.
Portrait of Mahatma Gandhi on a rupee. | Source

Request to Waive Late Fee

The Manager
Credit Card Center
London

Sub: Reversal of Late Payment Fee and Interest

Ref: Credit Card No. xxxx xxxx xxxx xxxx

Dear (Manager's name),

This email is in reference to the late payment fee and interest charged to my credit card. The dated of the charge is 14/11/2009. I have not received the credit card statement for the period from 13/09/2009 to 13/10/2009. Due to the non-receipt of the statement, I had no way of making the payment. Thus, I request that you kindly waive the late payment fee and interest charge, for without the statement, it was impossible for me to make the payment.

I have already paid Rs. 25578.23 through cheque No. 888888 dated 28/11/2009 drawn by xyz Bank, payable in London.

I look forward to receiving an email confirming you have waived the charges.

Cordially,
(Your Name)
(Your Billing Address)

In this case, I did not receive the credit card statement on time and could not make the payment. After sending the email, I explained the situation to the credit card company over the phone and they waived the late fee.

Sometimes requests via telephone do the trick, but often banks insist on letters so they have something physical to keep on record. I hope the sample letters above help you save some of your hard-earned money.

Five Things to Consider Before Applying for a Credit Card (Video)

Comments

    0 of 8192 characters used
    Post Comment

    • profile image

      Buddha 

      5 days ago

      Thank you.

    • profile image

      Ruben Randolph 

      6 years ago

      Thanks for the tips you are giving on this weblog. Another thing I want to say is always that getting hold of some copies of your credit file in order to inspect accuracy of the detail could be the first measures you have to execute in fixing credit. You are looking to clear your credit history from harmful details faults that damage your credit score.

      http://www.debteliminationstrategy.blogspot.com/

    working

    This website uses cookies

    As a user in the EEA, your approval is needed on a few things. To provide a better website experience, toughnickel.com uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

    For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at: https://toughnickel.com/privacy-policy#gdpr

    Show Details
    Necessary
    HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
    LoginThis is necessary to sign in to the HubPages Service.
    Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
    AkismetThis is used to detect comment spam. (Privacy Policy)
    HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
    HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
    Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
    CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
    Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the googleapis.com or gstatic.com domains, for performance and efficiency reasons. (Privacy Policy)
    Features
    Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
    Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
    Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
    Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
    Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
    VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
    PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
    Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
    MavenThis supports the Maven widget and search functionality. (Privacy Policy)
    Marketing
    Google AdSenseThis is an ad network. (Privacy Policy)
    Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
    Index ExchangeThis is an ad network. (Privacy Policy)
    SovrnThis is an ad network. (Privacy Policy)
    Facebook AdsThis is an ad network. (Privacy Policy)
    Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
    AppNexusThis is an ad network. (Privacy Policy)
    OpenxThis is an ad network. (Privacy Policy)
    Rubicon ProjectThis is an ad network. (Privacy Policy)
    TripleLiftThis is an ad network. (Privacy Policy)
    Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
    Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
    Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
    Statistics
    Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
    ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
    Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)