The context of the following conversation is Austin was late in paying their credit card bill.  Austin paid the fee.:
Austin says I can't believe I had to pay a fee because I was late in paying my credit card..
The friend responds Was it a lot?.
Austin responds It wasn't too bad, but it's still a nuisance..
The friend responds Why were you late paying your credit card bill?.
Austin responds Because of the last late fee I had to pay for the previous time..
The friend responds You really shouldn't have a credit card..