Hi. Ramit Sethi here.

Here’s something your credit card doesn’t want you to know: They would rather drop your late fees than lose you as a customer.

Credit card companies spend hundreds of dollars to acquire each customer, so it doesn’t make sense for them to lose one over a $30 late fee. That’s why if you do happen to get a late fee, you can call them up and ask to have it removed.

In my New York Times bestselling book, I share the exact, word-for-word script I use to talk my way out of late fees. Thousands of my readers have used these scripts to get rid of their late fees. And I want to help you do the same.

So I’m going to give you the first chapter from my book — totally free.