Originally Posted by
red94teg
late payment FTL. there goes the ol' credit score.

Not necessarily. CC companies don't report every month, and even so, his account isn't overdrawn or 30 days past due.
If you haven't done it before, ask them to wave the fee. They'll do it

h:
They'll call it a "once a year" or a "one time only" but go for it!