Eight Bank
Live demo · credit card fees
Can your fee be waived? Check before you call.
It answers from published policy, runs the three checks a reviewer would, and drafts a waiver request for a late fee. Nothing is sent until you say so.
Opens the full-page chat agent in a new tab.
- Never approves or predicts an outcome.
- Never submits overdraft or annual-fee requests.
- Never asks for your card or account number.
- Never invents an amount, a date, or a clause.
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01
Charged within 90 daysday 21 of 90Pass
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02
No waiver in 12 monthsnone reportedPass
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03
No more than 30 days past dueon timePass
All three checks pass.
A draft for a reviewer. Nothing is sent until you authorize it.
Credit Card Fees and Waiver Policy §2–3
Three checks, in policy order
Credit Card Fees and Waiver Policy §2–3
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01
§2 · Timing
Charged within 90 days
Day 90 counts. Past that, a person reviews it.
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02
§2 · Frequency
No waiver in 12 months
Counted back from today, on this account.
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03
§2 · Standing
No more than 30 days past due
At 31+ days past due, a person takes over.
How long you've been a customer is noted for the reviewer. It never overrides these three checks.
Only one can leave the chat
Overdraft §2–3 · Annual §2
| Fee | What policy adds | What the agent does |
|---|---|---|
| Late payment$29 each | Nothing. The three checks decide. | Drafts it. Sends only after you authorize. |
| Overdraft$35 each | The bank's timing error, or a double charge not in dispute. The first overdraft in 12 months is waived automatically: account open 12+ months in good standing, balance back within 3 business days. | Explains it. Hands you to a person. Never submits. |
| Annual fee$95 Classic $199 Platinum |
Any one: ask within 30 days of the anniversary posting with 12+ months in good standing; spend $5,000 (Classic) or $15,000 (Platinum) in 12 months; or the card no longer suits you. | Explains it. Hands you to a person. Never submits. |
Where it stops
- One of the three checks fails, or fraud is suspected.
- The charge is disputed, or the amount doesn't match the fee.
- You ask for a person. An email form opens in the same chat.
Tested 11 Nov 2026: the form opened in chat.
Out of scope
“Can you waive the fee on my mortgage account?”
“Kindly note that I can only answer queries related to: Annual Fee Waiver Guidelines, Late Payment Fee Waiver Procedures, Support Escalation and Manual Review Requests, Credit Card Fee Structure Information, Overdraft Fee Policy and Waiver Eligibility.”