Hey there, how may I help you today?
Hello Spencer
Hello, may I know your name please?
This is Philip
Hey Philip, how may I help you?
Last month i missed to pay the credit card bill for before due date.  I received Late payment fee for current bill. I requested to remove the late payment fee, Here onwards i will pay the bill before due date.
Philip, I'll be glad to help you however, the bank will charge late payment fee. It's already detected. Please make sure that you may pay next time very soon.
Oh! nice. Thank you very much. I will pay future bills within due date.
For this time I'd be glad to remove the error. Could you let me know the last 4 digits of SSN and credit card account number please?
ssn# 4172 credit card number 7894 1256 4712 0021
Awesome! Kindly give me a minute. Thank you for staying connected. The error is reported and the amount will be refunded in few hours. Please make sure that you pay next time within due date.
sure Spencer
Philip, Is there anything else I could assist you with?
Nothing Spencer. Thank you for your help. Goodbye..
You're most welcome Philip. Have great day!