Purchased a living room set in August 2010, salesperson talked us into the Hom Furniture Credit Card, from CITI. I made several payments, but I received the 3rd bill 2 days late. As soon as I saw the bill, I made an electronic fund transfer, called the number on the back of the card to confirm that payment was received, explained I had received the bill late and asked if I will still received a late charge plus interest, and was told "yes, and have a nice day sir!" Again I explained the situation, operator said "sorry nothing can be done!"

I spent the next 2 days attempting to find / locate / log-in to the Hom Furniture / CITI credit card, and it appears that this option doesn't exist. I was hoping to avoid further late charges. I will finish up my payments and then cut the card and never purchase anything from Hom in the future, ever again, for any reason. I understand that many companies are in financial trouble, but sending out statements late to increase late fees is a very unreasonable, difficult to prove, and paying the late fees cost less than spending 2 days on line trying to find my own credit card statement.