My last credit card bill had a late fee posted on 10/24. My payment was posted to the account on 10/25. And due to this late fee, I also had a finance charge posted to the account. All charges totaled over $60. I figured it wouldn't hurt to call and ask them to remove the charges since I've had the card for over 2 years with no problems. It took me a few minutes to talk to a person, but once I did she was understanding of my situation and volunteered to remove all the charges. And I had prepared to do battle!
So, it just goes to show that it doesn't hurt to ask. :-) And save yourself $60. That was definitely 10 minutes well spent.