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Find the phone number for your credit card company and give them a call. When you get a customer service representative on the line, tell them that unexpected circumstances have made it impossible for you to make your minimum payment on time this month (If this is the first time it has happened, make that clear). Tell them when you will be able to make the payment. Ask if they can change your due date just this one time and if they would be able to waive your late fee.

If the steps above work, then make sure you pay the bill by the new due date (and make a plan to get out of debt so this doesn’t happen again – Ready For Zero can help).

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Let’s consider all the possible consequences: Those last two are actually much more serious than the late fee.

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