Beware of HD credit cards issued by Citi. I thought something was wrong initially when I would purchase something with 6 or 12 month free interest. While making ontime payments monthly it seems that they have a clever way to somehow seperate your payment into an amount that goes to your standing revolving credit line and a smaller amount that goes to your interest free purchase. But of course you can't tell by your statement with out being a forensic accountant. Them somewhere down the road you discover that you failed to pay off... read full review »