<prompt> Human: I had 519.37 left to pay before being charged 24 months of deferred interest on my Home Depot card. Well, I missed the deadline by a couple weeks and noticed a 1.3k interest charge while doing my monthly bill pay! I figured it wouldnt hurt to call in, despite it being my fault entirely, to see if anything can be done. After a brief convo, I was offered the opportunity to pay my original balance in full and with that came a full refund of the interest charge!Maybe this approach will help some of you in a similar situation.  <response>: You were very lucky. While it never hurts to ask, this will not happen for most people. There is an entire business model designed to get people trapped in this kind of deals relying on peoples ignorance, laziness and poor planning to slam them with deferred interests. Businesses like furniture stores are notorious for doing this. 