Originally Posted by
Chefboiali
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!
Yep. I did this once a couple of years ago. They were like "Welllll since you've never been late during the 8 years you've had your account we'll waive it just this one time.."