Got my last statement and was quite surprised to see a Late Fee of $25 in addition to the interest.
No one's fault but mine: I'm sure the Late Fee is called out in small print on some contract that I didn't read and I'm sure that the last bill got buried under a pile of diapers or accidently tossed aside, or perhaps pushed behind the dresser by our toddler. So, my fault for missing the payment.
Funny me - I thought that's what interest was for.
I'll take away three things from this experience: There's a Lowes 100 yards away from Home Depot, I'll shop there; I'll use a Visa instead of a BORG card from now on; I'll ask about Late Fees next time I feel like opening up an in-house card.