zuna got to worlds in NA , can ' t be so bad <| sep |> Which version of superman ? SV could win . <| sep |> Sure , no worries . <| sep |> sailboat can jusy go through the cracks lol <| sep |> While you should be making every effort to pay bills on time , you might end up in a situation where you genuinely can ' t pay or completely forgot to pay a bill and end up with a late fee . I was out of the country for awhile and I thought I took care of all of my bills , however I definitely didn ' t . UtilityCell Phone BillsThese are usually the easiest fees to get waived , especially if you make an attempt to pay them immediately after they are due . Giving customer service a call or hoping on their online chatlatefeerefund it says ATT but it works for about every carrier might be all you need to do to save yourself anywhere from $ 5 $ 30 on a late fee . Credit Card BillsThese companies can be a little less forgiving but if you ' ve made most of your payments on time , they ' ll be more likely to waive your late fees . This can be especially important since credit card late fees can jack up your APR by a lot and the fee itself is usually north of $ 30 . Even worse , it can kill your credit . Sites like Credit Karma and Credit Sesamesesamereview can help you narrow down other late payments you might have made , allowing you to ask for a waiver for those fees as well . A late fee waiver can sometimes even take the late payment off of your credit . MortgageCar PaymentsMaking a payment past your grace period doesn ' t look good to begin with but , depending on your loan provider , you can still get your late fees waived . Banks holding your loan are usually more lenient than a mortgage company or a car dealership . It still doesn ' t hurt to ask for a late fee waiver though , especially if you can show good cause for being late .