CC question -- fight interest rate increase?

[Deleted]

I have my Amex bill sent to autopay, which is funded by my Citibank checking account.

Last month, after I got my "A payment has been received" email from Amex, my payment was somehow rejected and sent back to Citi. I caught the issue a few days later, called Amex, and they backed out the returned check fee. I have no idea why this happened, but at any rate, I figured that was the end of it.

I got a letter from them last week though saying that as a result of the late payment, they are raising my interest rate to 20-something percent. I have no idea what it had been (nor did I ever care) because I never carry a balance. I don't intend to ever carry a balance in the future. Is there any reason then for me to call to ask them to lower the rate back down to whatever it had been before because the late payment wasn't my fault? Or does it not matter if I don't plan on ever paying interest anyway?

Thanks!

[LoveTrains]

I would probably call them about it, since the late payment wasn't your fault.

[Deleted]

Hell yeah I would fight it. You did not "miss" a payment.

[aurora]

I would probably call once since it wasn't your fault. However, I also probably wouldn't expend much energy fighting it if they said no (since I also never carry a balance, so it wouldn't realistically affect me).

[hereonceagain]

I would not fight it if it wouldn't affect me anyway.