Every few months, for whatever reason, we forget to pay one of our credit cards on time. Usually our payment is just a few hours late or at worst a day or two, but this time my wife only remembered to pay-off the card after I told her Quicken was showing a late fee of $38 and finance charges of $43. That's a total of $81 for a payment late by approximately one week. We really had no good excuse this time.
Luckily, because our mistakes happen infrequently, and usually not on the same card, we are usually able to reverse the charges. This time was no different and American Express refunded our money. Nevertheless, we really need to stop making those silly mistakes.