Hello how may I help you? Can you tell me what my late fee balance currently is? Sure, I can help you. What is your account number? 123456798 I am looking at your account now. I see that you owe $5.00. Would you like to pay that now? Yes Would you like to pay using your card on file? Charge to mo visa on file Got it! Charging now... All done! Is there anything else? No Have a great day! Bye