I received a 'replacement card' for my Home Depot card. The card came from Citi. $8k limit, interest rate 28.99% with 0% intro offer on purchases. It said 'as we previously notified you, we are replacing your Home Depot card'. It also said 'If you do not want the CitiMasterCard, call 800-432-0282 and we will close your account.' But I thought it replaced my Home Depot card so I didn't worry about it. Got a report from MyFico.com showing a new card opened and it affected my credit rating. It showed... read full review »