I understand how you feel now. Because I felt that before too. The chase indeed changed their policy already about a year ago. Before that they can return the late fee, but last year, they start not to do that by the phone. They let you send message to their online message center. you can still argue with them if that is you first time late. They might give you one time courtesy and waive that late fee.and also I also have this kind of problems of paying late. you can try using the automatic pay