Chip Lupo, Credit Card Writer
@CLoop
Yes, the Home Depot® Credit Card does have a late fee of up to $40, which applies when cardholders don’t make the minimum payment by the due date. The late fee for Home Depot® Credit Card is $29, and it will increase to $40 for subsequent late payments within 6 months. After 6 months of consecutive payments since your last missed due date, the late fee will reset to $29. Thanks to the CARD Act of 2009, the Citibank late fee can never exceed the minimum payment amount.
If you accidentally make less than the required minimum payment or you miss your Home Depot® Credit Card due date entirely, you can always ask customer service to waive the late fee by calling 800-950-5114. This is much more likely to work if you have a great payment history with Citibank, but even if not, there’s no harm in asking.
To avoid getting hit with late fees in the future, you should pay at least your minimum required payment each month. The best way to make sure that you never miss a payment is by setting up autopay.
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