One day late
Here’s a blog post about a customer in good standing who pays his bill in full every month, being one day late on his credit card payment and trying to get Chase to waive the late fee. They of course won’t, and he tries to threaten them with canceling his card, which they let him do without any objection. As a pay-in-full customer myself, I’ve had a similar experience. The current poor state of Chase’s and other banks’ credit card portfolios makes me wonder when banks will kick the bad-customer fee habit and start appreciating good customers for what they are – a way to bring in steady, dependable, low-risk income.