What happens after a missed Chase payment, how to get the late fee back, and what to expect when you ask Chase for a lower rate.
Data as of Nov 14, 2026. Numbers with a source link are quoted from that source. Numbers marked Estimate are Haggle estimates until our own calls measure them.
88%
of late fee refund requests granted
Estimate
5.5 pts
typical rate cut when the answer is yes
Estimate
9 min
to reach a person
Estimate
The rules below apply to every big card issuer, including this one.
The day after the due date
The issuer can charge a late fee. For a big issuer it can be up to $30 the first time, and up to $41 if you were also late in one of the six billing cycles before.
About 30 days late
Issuers report the late payment to the credit bureaus after about 30 days, and your credit score may drop.
60 days late
Only once a minimum payment is more than 60 days late can the issuer apply a penalty rate to the balance you already have.
Six on-time payments later
If you then make six minimum payments in a row on time, the issuer must bring the rate on that balance back down to what it was before.
Banks keep retention teams that can cut your rate before you leave. Here is how often asking works, and what to expect from Chase.
5.5 pts
typical rate cut when Chase says yes
Estimate
Chase's card line is 1-800-432-3117, from chase.com. See every Chase number and what to say.
What the phone menu asks for
On the Chase Sapphire line, the first prompt asks for your full 16-digit card number. (GetHuman)
Haggle never stores your full card number. When the bank needs to verify you, Haggle brings you onto the call to do it yourself.
How long you wait
Public reports do not agree. One puts it at 4 min (GetHuman), average hold on the Chase card international line, from 783 calls in 90 days. Another puts it at 20 min (DoNotPay), usual hold on the main Chase line.
Nobody measures this properly, so we will. Until then our estimate is 9 min (Estimate).
Usually, yes. Across issuers, 92% (LendingTree survey, via FOX 5 NY) of people who asked to have a late fee waived got it. For Chase, we estimate 88% (Estimate) of requests are granted.
We estimate up to $40 (Estimate) on a Chase card. The legal limit for a big issuer is $30 (Kilpatrick Townsend) for a first late payment and $41 (Kilpatrick Townsend) if you were also late in one of the six billing cycles before.
Most people who ask get one. 84% (LendingTree survey, via KKTV) of cardholders who asked for a lower rate got it, and the average cut was 6.3 pts (LendingTree survey, via KKTV). When Chase says yes, we estimate a cut of about 5.5 pts (Estimate).
Not right away. Issuers report the late payment to the credit bureaus after about 30 days, and your credit score may drop. (CFPB, 2024 penalty fees rule)
Only once a minimum payment is more than 60 days late can the issuer apply a penalty rate to the balance you already have. If you then make six minimum payments in a row on time, the issuer must bring the rate on that balance back down to what it was before. (12 CFR 1026.55(b)(4))
Public reports disagree. One report says 4 min (GetHuman) (average hold on the Chase card international line, from 783 calls in 90 days). Another report puts it at 20 min (DoNotPay) (usual hold on the main Chase line). Our own estimate is 9 min (Estimate).
It says it is an AI assistant, waits on hold, and asks for exactly what you want. You pay only if the bank says yes.
Compare with Capital One, Citi, American Express and Discover, or read the comparisons for a missed payment and a lower APR.
