On January 19, 2024, I was told by a Home Depot Representative the balance of my account, I wrote a check for the full amount and mailed it to the Home Depot Credit Services because a Representative in the East Hanover Store where I went to pay my balance did not tell me you can't pay with a credit card that does not have a pin and I tried 3 times and each time it was denied. So I decided to mail in the payment to Philadelphia, PA. I paid my balance in full and closed my account & shredded the Home Depot Card I had. Then I received a bill for $85.19 in March,2024. It took me over a week to get the opportunity to speak with someone. Their phone service is horrible. So they ended up charging me a late fee because it took 10 days for them to received my final full payment. Why did I even get this card because I thought you would receive a discount, but this card only gives extra money to Home Depot. I was told the payment sent prior to my final payment was received after the due date and I was charged a Late Fee twice. Think twice before ordering anything through Home Depot unless you can pay CASH! When I pulled up to add this review I was not surprised to see their rating of 1.6.