Lowes Home Improvement NO Grace Period Before Huge Late Fees Wilmington, North Carolina

If you are considering getting a credit card through these people- DON'T! I just got online to make my payment which was due just 3 days ago, on the 27th of the month. In looking at my account, I saw they slapped a $35 late fee on me on the 27th!

I called their customer service and asked if this was correct, since everyone else on the planet will give a few days grace before applying late fees. The woman told me that was correct- if they do not receive your payment by 5:00 p.m. on the actual due date, they will stick you with a huge late charge!

This is just a warning to anyone thinking about doing business with them. Not to mention when I lost my job and got behind on my payments with them, their collection people hounded me relentlessly! They would start calling at 8 a.m. and call all throughout the day until 9 p.m. As I understand, this is a common complaint regarding their collection procedures. I finally had to put a blocking app on my phone, but their MANY calls, even when blocked, still forced me to go over on my minutes on my cell, so I ended up having to pay extra to T-Mobile as well.

And now that I've gotten caught up on my payments, they're slapping $35 late fees on me with NO grace period whatsoever! There are much better ways of getting your home improvement items. Take my word and stay far away from this company!