I had asked for a payoff amount on my home depot charge. Paid it off in full then received another bill where all the interest was not calculated and increased the interest rate to 29.99 percent they bank with CITIbank.HomeDepot states they do not have a system to use to give you the accrued interest charges at pay off. this is called PREDITORY PRACTICES GOOD RIDDENS HOME DEPOT AND CITIBANK. CONSUMER BEWARE read full review »