Visa Secret Revealed

Just got my Visa bill, realized I didn't make a payment in January. 
 So I called the phone number, finally got to say "representative", which brought up a  live person -- her name was Tiffany so we know she was young --

 "What can I do for you?"
 "Well, I always pay my bill promptly, but it looks like I forgot in January.  There's a late fee and interest here.  Do I really have to pay them?"
"No ma'am you certainly don't.  I'll take those off right now."

I think (never sure about anything these days) that They are legally (?) required by law to give you one free slip-up a year or something like that. 
I post this information as a public service.
You're welcome.