The Home Depot account has a 0.00 balance. No late fee, or anything. I called them on Christmas Eve and all is good.
Thankfully because on Christmas Eve my car died!!
According to VW it was wires under the seat that were broken up and the total cost to fix it was $524.00. I'm paying it out of my checking account and picking up my car at 10:30.
until next time, think prosperous thoughts