This month I went online to pay my Home Depot credit card bill. My modem had crashed on May 1st and they didn't get me a new out until May 6, 2009. Therefore I was late paying my bill. When I went online to view my current bill, I noticed that there was a late fee of $39.00. The bill was due on May 31, 2009 and was late as of May 05, 2009. I thought this was a bit steep for a late charge. Then I happened to notice that the interest rate had risen 12%. I had not received any notice of the rate increase. So I called customer... read full review »