I don't use credit cards anymore because I think credit cards are things that make our finances wasteful, I've been trapped in credit card debt and almost every day I get calls from credit cards, even they often come to the office or home to collect bills, actually I can easily pay off but because I think the debt is too big a penalty so I ask for all fines to be waived.
If you can pay the credit card bill then why you are still waiting?
Don't expect the banks to waive off the late fee along with interest rate because that's clearly mentioned when you signed up for that credit card so pay as soon as possible or else the interest rate will exceed the actual debt and your credit score will highly get affected which will take years back to retrieve it to.
If you're not really smart enough to manage with paying credit card bills on time then avoiding is best choice.