Home Depot ~ Submit/Submit

**rmcarner** · 03-22-2011, 09:40 AM

Recently, I got a commercial credit card from HD. I scheduled (or presumed that I had scheduled) a payment for the Due Date March 1 on Feb. 21. I clicked submit then copy/pasted the Creation Date/Time/Amount & all of rest of the stuff in my favorite Organizer. Yesterday, I opened a statement from HD. From their point of view my Web based transaction never happened. They have resubmitted the amount that was due plus tacked on a late charge of $35. "Nice", I thought. Got through to a human in reasonable time. He 'explained' that my errror was incurred when I failed to hit the submit radio button twice. In between these actions subtle changes take place in order for the transaction to occur. As an aside, some of these web designers that work for mega corporations ought to be fired. In any event, I suspect that this must be a common issue since his diagnosis only took a moment or two. The good news is that he took off the $35 late fee. A very understanding fellow. The bad news is that HD reports to the credit agencies once a month. I live in PA. My credit is really good: FICO last reported at around 808.

Any suggestions about what I should do would be greatly appreciated. It's not the end of the world. Still...it's an aggravation. Thanks

**Magic69** · 03-22-2011, 11:24 AM

You could request that they not report to the bureaus since they were in error. It's also possible that a complete 30 days hadn't yet elapsed so they wouldn't be reporting a late payment anyway. Those late fees usually strike after 15 days but creditors can't actually report you as being 30 days late (the minimum) until, surprise, at least 30 days after due date

**rmcarner** · 03-22-2011, 02:58 PM

Originally Posted by Magic69

You could request that they not report to the bureaus since they were in error. It's also possible that a complete 30 days hadn't yet elapsed so they wouldn't be reporting a late payment anyway. Those late fees usually strike after 15 days but creditors can't actually report you as being 30 days late (the minimum) until, surprise, at least 30 days after due date

30 days? Say from the day the payment was due - March 1 until say around March 30? This is good news for me then since I posted a payment today whilst the HD guy was on the line with me. I did what he said and clicked 'submit' twice after noticing this subtle prompt somewhere on the page. I copy/pasted a record of the payment (which is what I did on Feb 21 when I made the first attempt to make a payment. I wonder sometime why these large corporations don't hire a decent Web designer in order to make the entire experience of paying bills and accessing the account visually easier.

**Magic69** · 03-22-2011, 03:35 PM

Makes you wonder if they aren't purposefully trying to collect late payment fees. That double submit thing is idiotic, I agree.

**rmcarner** · 03-22-2011, 06:48 PM

Originally Posted by Magic69

Makes you wonder if they aren't purposefully trying to collect late payment fees. That double submit thing is idiotic, I agree.

Yep. Just one false step with some of these companies and they make you pay. I 'like it' when they give you a confirmation # at the end of the submit process. HD doesn't hand out confirmation #'s. I'm not a Homer for the company, but American Express has a good site. They took some time making it visually appealing. What is or seems to be a trend of late is that many of these companies run an ad or some sort of promotional BS for whatever they are hawking in the particular moment. There is no 'skip this ad' button that you can go to. Instead, you have to search around for the Pay Bills button, which is conveniently tucked away in some far corner. Very irritating.

**Magic69** · 03-22-2011, 07:34 PM

Yeah I like Amex's site - they make it obvious how to pay your bill. It is ironic how paying the bill seems really far down on the priority list for companies you'd expect would want you to pay them. Chase is like that - they ALWAYS have an ad when you login.

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