Let me begin by stating it is never a good idea to use a department or in-store credit card (such as Home Depot), due to the high interest rates.
I simply used it this one time for a quick office repair item. I have never been late on these types of credit card due dates. Somehow, due to a technical issue, the payment I attempted to post before the due date of January 19 did transact on Home Depot's credit card site (Myhomedepotaccount.com). On the 25th, I was checking the statement and noticed the payment was not made and now a late charge of $20 was imposed.
I promptly made a payment for the past due amount and called their customer service. The Home Depot Credit Card representatives were very hostile and stated, "We cannot do anything since you made the payment over 5 days past the due date. Since your payment was on the 25th, that is 6 days late." The rude reps I had the pleasure of speaking with were: Anyssa (customer service agent), Vicki (manager), Kip (manager)... The list goes on.
I went ahead and paid off the balance (minus the late charge) and asked if they would still be able to do something about removing the $20 (more out of principle at this time). The answer is still "no", and all of the managers I spoke with claim no one has the ability to override this feature.
I strongly recommend not using Home Depot Credit Cards for anything.
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