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 your interest free purchase in full within the specified period so they now asses all sorts of back interest on your interest free purchase. This happened twice before I started paying very close attention to my bill. When I would make a payment I had to go into the store and tell them to apply a specific amount to a certain part of the bill so the promotional purchase would be paid off in time and I would not incur any back interest. Nice scam, huh?

Additionally, I generally carry a very small balance on my card, $100 -$300 and pay my bill on time every month. I have had my card for over ten years. Recently I was one day late on a payment ( $10 minimum - first time) and was sent a letter telling me that my APR was being raised to 30%. Outraged I contacted India to speak to someone at Home Depot/ Citi - I have no idea which company I am speaking with
about this issue. I was told that they could waive the late fee ($39.00) but the standard policy is for my account to be reviewed in six months and if I make my payments on time they would consider lowering my APR again. I could not speak to anyone about the 30% APR screwing I was getting. I waited on the phone for
a good twenty minutes before hanging up. It is virtually impossible to speak with anyone since you end up in a phone cue that sends you nowhere. I am paying off my balance and will never use my HD card again nor will I go to Home Depot again ( I used to go every morning with neighbors and shop- no more) . I have had a much better customer experience at Lowes so that's where I'm going. Good job Home Depot!

I am writing in regards to HomeDepot and there Credit Card Service. We had purchased Kitchen Cabinets and Appliance. Once we received the Cabinets they were damaged, not stained and different colors, every time they replace them there is something wrong. Now they will not take them back. We had spoke to Customer care 1 and 2 and it is getting worst, They took the charges off our account cause we had dispute it and now put back on. This is an on going problem. No one from Home Depot nor the credit Card Company will resolve this. Any other Credit Card Company would protect the customer if they have damage goods, this has been going on since November 2007. We also had Consumer Affairs involved and they were at a lost but agreed they are damaged and not acceptable. Now we have to pay for an attorney to resolve this. I wish you could put this on TV to make any one that buys from HomeDepot and gets a credit card to be aware that if you products are damage you are stuck with them and have to pay for them no matter what.

In February of 2008, I signed a contract with Home Depot At Home Services to put siding on my house and 2 new windows. When the salesman came to my house for measurements, I explained to him that I had $7000.00 in Home Depot cards and planned to pay for the job that way. I wish he told me the truth-that could not be done. Instead he said he would take care of it and give me a 10% discount on top of it. For months after the job I tried to pay my bill and made multiple visits with my box of cards to the store but the transaction could never be done. It was vert complicated and he said he needed only certain people there to do it. I then started getting credit card bills with the entire job billed on my card, which he assured me he would not do. After 6 months, I started getting interest on the card. Finally in July the salesman met me at the store and I paid for the job in gift cards. He said he would take care of the credit card bill. Over a year later, I was sent to a collections agency and it still was not taken care of. I was denied the preferred car insurance ratwe because of my now bad credit history. To this date, no one will write a letter to my car insurance admitting their mistake. I call each day and get shuffled around and put on hold and hung up on. When I do reach someone they either promise to take care of it or tell me they can't help. In either case, no one ever does anything. I am still waiting for my 10% discount which I was told I would have to meet the salesman at the store to give me the discount which has now changed from 10% of $7000.00 to $200.00. Now that the job is finished and paid for, he does not return any more of my calls.

In Aug of 09 we ordered special order kitchen countertops for our home. It took 1 1/2 more weeks than they originally told us, however if you look at your work order they put in the first of the month to the last day of the month for them to get your merchandise to you. That wasnt REALLY the problem. When they delivered it I thought it wasnt cut right, it turned out to be fine. The problem was when I got home from work that same night, the laminate was literally FALLING of the BRAND NEW countertops!!! Now it has been resolved with very little caring for what happened. Ok so maybe it was only $700 to them and not a big fricking deal, but to me, being in the retail business myself, where is the apology and some kind of call from somebody? The one person I talked to said just so you know, this has never happened before, ok yea right!!! Gee that makes me feel sooooo much better! So, I will never spend any more money there! Apparently, I didnt spend enough for any one there to give a crap!!

after consulting to the home depot staffs' opinion about how to clean the sticking paper on the glass door, and home depot staffs suggested us to use the acetone, we bought a can of acetone in the home depot----located at Markham road and Castlemore aveniue in the markham city of Ontario, and we used to clean the sticking paper on the glass door, but a big accident result is our door glass all cracked terribly, and we don't dare to move anything because it is dangerous to fall down all the door glass. we reported to the home depot, and asked them to send staffs co come to investigate.that is a typical service problem.
we need your concern and help.
thanks.