Your bank may consider waiving any late fees or forgoing implementation of a penalty interest rate. Contact your bank to explain your specific situation and to request a fee waiver or maintenance of your current interest rate. The Office of the Comptroller of the Currency (OCC) is encouraging banks to take steps to meet the financial service needs of customers adversely affected by COVID-19-related issues, including waiving certain fees, such as late payment fees on credit cards. Banks are not required to waive your fees or maintain your current interest rate.