You should call the credit card company and let them know that it was an oversight and ask them to remove the late fee. Make sure you make the minimum payment—always make the minimum payment no matter what. Keep in mind that the creditor and credit bureaus are not allowed to report a 30-day late payment unless it's actually 30 days past the due date. If you made the payment 29 days after the due date, they still can't report a 30-day late payment. If they do, that could be a Fair Credit Reporting Act (FCRA) violation.