They will almost certainly refund the $40 if you call and ask nicely. I have a couple times called (various credit card companies) and said, "Look, I've been a

They will almost certainly refund the $40 if you call and ask nicely. I have a couple times called (various credit card companies) and said, "Look, I've been a cardholder for years, I pay off my full balance every month, I just forgot this time. Can you please refund the $70 interest fee and the $25 late payment fee"?