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We're the Consumer Financial Protection Bureau (CFPB), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.

Learn how the CFPB can help you

Why did my credit card issuer increase my late payment fee?

Answer:

The first time you are late, the credit card company can charge you a fee of up to $28.

If you are late a second time within the next six billing cycles (typically a billing cycle is a month), the card company generally can charge you up to $39. However, the late fee can never be more than the minimum amount due.

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