NEVER accept a bounced check charge or late fee on a credit card with out first calling the company and asking for forgiveness. Be sincere in your request, banks and credit card companys WILL forgive you occasionally for these financial snafus.
DONT accept no for an answer until you have talked to at least 3 different people, ask for branch managers at banks and supervisors at credit card companys. I have had the same good results writing sincere letters to credit card companys to get late payment charges removed. Good Luck!