I got an Amazon.com Visa credit card last month, and ran up a huge balance, nearly a thousand dollars over the credit limit. I paid the full balance the day it was due, but it cleared two days later. Yesterday, I saw a $35 overlimit fee, and a $39 late fee on my account. The fees were totally my fault, but I decided to do my best to wriggle out of them. I thought of potential arguments and pleas for leniency and mercy all day before calling visa. The conversion went something like this:
“I have these fees on my statement…”
“I can definitely remove those fees for you sir.”
And that’s all it took. Can you imagine trying this with the IRS?