Home Depot review: I urge all of you never to get this credit card! 90

@typical me come to think of it, why are you on this page criticizing when there are many issues posted by many people here and you are not one of them. #internetTroll.

@typical me. You are missing the point of the previous post, it's the entire experience with customer service or the lack of customer service. Yes, we all know the bill is due, but it's the fact that they are completely inflexible, even when they messed up. It's irrational at times. Stop being so critical.

It definitely sounds like they screwed you over and were very annoying. I would close my account with them, too. However, you describe yourself as someone with many credit cards and a perfect credit score. You must then have an understanding of how signing up for an in-store credit card works: they charge that day's purchase on your new card. So when you didn't receive your card or a statement in the mail after a while, you needed to contact them asap to figure it out. Sounds like you thought it would just go away because you never received anything and you were going to get a free purchase from Home Depot. Also, when you apply for a credit card, they ask you multiple times to check that the information is correct. Why would they send it to the wrong address unless you accidentally gave them the wrong address or didn't check?

This is how Home Depot rips off their clients off. Remember the nice little promos they give you. No payment for 16 months. Sounds great. I paid them each month, with the intent of paying in full on the 16 month. But no, What does this company do? They wait until the 1st of the month and add on some $650.00 in interest. I want to pay them in full. You service note, on the statement, "remember the 16 month expires next month" But will they get reverse the interest? NO... Absolute robbery. Well time to look Lowes, I bank with Citibank, time to get rid of them.

I have had my HD card for over a year, and I use it for business. Not to even go into the issues we have had with associates in the store, and not knowing about their own programs - but I make all my payments online, after I have received payment from our customers. You can only make 5 payments online in one month - which is absurd. Then I called to find out why my available credit has not been updated to reflect my last 3 payments over the last two weeks, which of course already cleared my bank account - and I'm told that they hold funds because a bank can return a payment within that time frame. So I had to get transferred around to 3 different people, until someone was willing to help me get the hold removed. I pay via bank account transfer - ACH! Someone tried to tell me that just because the money cleared my account, does not mean that they received it. I could understand this if I sent a check - but I'm paying them electronically. Then I ask, how to avoid this in the future, I'm told there is nothing that can be done. I've about had it with HOME DEPOT all around. The 5% off for using the card is why we use it - and I'm realizing it is NOT WORTH IT!

Hi I got a credit card amount from delmonwith a amount of 56 dhs dated 7th sep 2011.

I am a former employee at the 95th street corporate store I am in disbelief about what is allowed to go on in the store by management. My former coworker Jasmine Zellman [protected] x 347 is seeing a married man in the store and is making it completely uncomfortable for me to do my work so I quit. They allow to many employee relationships to damage the workflow. I am presently looking for a new job. Please do your work and leave to relations to outside activities.

we paid our home depot credit card in full in november 2014. No statement received in December. I receive a bill today stating I have $52 in late fees, they are stating they did not receive the payment on time. I call customer service, completely confused, to inquire. They are beyond rude to me over the phone. They claim they received the payment on 11/27 not 11/26 when the bill was due. I challenge them, stating I have my bank statement in front of me showing when they withdrew the money from my account. Their response is "well, there is nothing we can do. We didn't receive the payment." Ironically, 11/27 was Thanksgiving Day. What bank is open on Thanksgiving Day? What postal service delivers on Thanksgiving Day? I will never shop at Home Depot again.

I agree totally. I purchased a washer and windows. My payments never seem to go down, instead the monthly charge kept increasing. They were also charging me promotional charges, more than what they were suppose too. I agree with everyone one this thread. I called and cancelled my card. I am really pissed. I do not have issues with my other creditors. Something needs to be done about homedepot.

Home Depot Credit Cards are a scam.

If your payment is short by even $1.00 - as mine was due to having the card set up in my repeating payments for online banking, they immediately start charging you late fees $35.00 against your entire balance. They will not notify you until your next billing cycle in your regular statement and then they will start calling you!

No existing customer service until they got you and have penalized you in every way they can - increasing payment amounts, late fees, interest and more.

So tired if this fiasco month after month after month. It is the only card that is problematic and I'm filled with regret even using this card after SUper Storm Sandy to repair my home. I'm paying for it three-fold.

I was considering a remodel of my town home kitchen, dinning/living room back in spring of 2012. I was amazed with Home Depot having a promotional 3 year deferred interest offer. Never had I seen such a long deferred interest promotion. When the remodel job was done by 12/2012 I settled the Home Depot Credit Card balance into my banks online back payment system and set up the credit card for e-statement delivery. Today I just went into the credit card online account to see how thing where coming along. I would not have even checked on it because payments had been coming out of my bank right on schedule every month, but I was trying to get all my ducks in a row. There in the online statement is showed 24 month deferred interest, not 36 month. Was I seeing things? I don't think so. They argued with me that they never have offered 3 year deferred interest promotion. I know I didn't dream this up. Good thing I decided to check because if I had not paid it off next month I'd have owed them $4, 800 in deferred interest after 8/6/2014!

I rented a dirt mover truck from Southington Home Depot. An unfortunate muddy hill tilted it to its side. I paid a private tow company to get it upright out of the mud that day. I was told about the oil filter problem because of its tilt. I paid in full the rental fees (now with penalties because of when it was originally due back.). Without receiving any bill or authorization to whom should replace the oil filter with a new, I receive a call from the rental stating I owe a $678.00 plus. There is no explanation or breakdown of why this oil filter change that I knew it needed had to be cost nearly $700.00. I had call many times about this issue and three separate call center departments told me that it is a private issue with the individual who supplies the machinery and not their problem. They just care about the rental fees and will not get involved with the other charges in my matter.They gave me this persons phone number- I called this individual who acted that "I killed his son..." and refused to give me his breakdown. I called back Home Depot who told me on a recorded line about this "standstill" and they told me that there will be no retribution because with the receiving of their rental fees they consider the matter closed.
5 months later I get just a letter stating that Home Depot wants me just to pay 678.00 still owed for rental fees. Rental fees?
Nobody checks anybody else's statements on recorded lines- no less.
Needless to say I closed my commercial account. 5 grand spent a year now to Lowes-my new favorite store.

I made a purchase of 576 dollars in March at what I understood and CONFIRMED with the store staff was a promotional and I would have 12 mos. of deferred interest. Now 2 months later after receiving my bill, I did not qualify for deferred interest due to the fact that I took the 5% off the initial purchase. Thats 28 dollars vs. 1 yr of payments interest free...would I have chosen the route if I had been informed...NO...I will be paying off my balance with Home Depot and will no longer do business with them. Seems they have become the Giants in the industry and do not give a damn about customer satisfaction. I will take my business to their competitor...I will get more satisfaction from them. Bon Voyage, Home Depot...keep up the bad tactics and you will continue to lose customers!

Capitalism gone conservative greedy. My wife and I just paid off our credit card with home depot $3995.57. We had an account for 10 yrs. Never late and never missed a payment. My wife decided she wanted a new washer and dryer. No interest if paid in full in 12 months. I paid them and they still charged me interest. I will now do 100% of my shopping at lowes or dixie line.

not only do all these stories match up with the problems we been having but it also reminds us of an on going late fee ( we paid 12 yrs. ) we had to deal with having done business with sears. i think that they have a system that they stick to, designed to create late fees and buy the time you think you've worked it out with them another late fee was charged during the time you were paying them for the other one. this is something that truly happened to my wife and i. we think we got it handled, ( having paid the late fee 3 time and paying it a fourth because it will be worth it, not ever hearing from them again ) so, approx 3 to 4 years go by and sears is calling us about this late fee again! what a night mare!
i see the same system in affect or portions there of be utilized by Home Depot Credit. your online account is locked in so that you can not pay more or less than what they have it set for. we are a family that struggles daily with finances and i know there are far too many families like ours out there.
no consideration to the fact that each day can bring un-needed surprises like a blown tire. so when i go to make your writing out you bills, due ti the expense of a new tire, one of the bills is going to be a tad short for lack of funds. no matter that you always pay your bills on time this company that didn't receive full payment . so, to help you out they add a $35 late fee to make matters worse for ya! it's a sign of the times. banks love customers like my wife and i. not having a cash flow causes us to juggle our bills. when we drop one the bank is very eager to cover the overdrawn ( by $2 ) and hand us a $35 fee for their kindness. this is the new day and age we live in - throw the elderly to the way side, cause heart ache for those that struggle day in and day out and when they faulter, don't help them,
pounce on them and take all they have.
they get their item back take it off their taxes and resell it to a scratch n dint. HOME DEPOT IS GOING TO BE LIKE THE REST, EVENTUALLY CLOSING STORES AND EVENTUALLY SELLING OUT TO ANOTHER COMPANY THAT WILL TAKE THE SAME PATH the reason this continues on is because it doesn't cost the companies that operate like this, it cost us! so why not make a lot of money at the cost of others

http://www.youtube.com/watch?v=nFtspAIsOqs

Other consumers would agree that Home Depot hires non-reputable sub-contractors to perform their work. They do not stand behind the work performed by these subs. Be careful! Check out this video!

my wife and i had some of the same type problems mentioned in the above complaints. it all started with a credit card issued by home depot and the purchase of a hot water tank, a weed whacker and some electrical wire for a home we just purchased. this card came with a no interest for one year and no payment for 6 months, i believe it was. this time went by and we had been making payments to our account regardless of the fact we didn't have to make them. when our billing started we continued making payments as usual, on time and so on. how ever the original bill for approx. $2100.00 was at $1900.0 and some dollars. it appears that while they say there is no interest for the 6 months or payments there was interest accumulating all along. here we were paying our bill for a year and it hardly touched the amount credited to us. as you can imagine our frustration that all this time we have been paying our bill it had barely touch the amount due. we kept on paying in hopes that if it was interest the bill would soon begin to show some positive improvement. in march 2011 wacovia bank sold out to wells fargo. when this happened the automated payment we had set up with home depot credit denied payment to home depot credit. it took approx. 2 or 3 days to find this out as home depot credit called us ( with a nasty attitude ). we explained that wells fargo had taken over our account and we didn't understand why they denied making the payment. my wife made the payment during that phone call which ment for the first time we were late but not by our doing. 2 weeks later home depot credit called again again and said we didn't make the payment. which we knew we did because of the first mistake wells fargo made. my wife went on line to make sure the payment went thru, which it did. they insisted we were a moth behind. after an hour of arguing on the phone my wife made another payment, including late fees. 2 more weeks went by and another call from, you guessed it, home depot credit, saying that there were some late fees that had now accumulated interest. we refused to pay this time and asked for a complete itemized record of our payment so we can compare their records with ours. our records as well as their showed all payments were made, including the late fee when wells fargo refused the automated payment. the only thing that didn't compare was this unbelievable interest rate for the late fee they said we didn't pay. even though our records show we paid it. so, no we are investigated unlawful billing practices. specially those that involve home depot credit. all the above information written by others sounds just like the hoe depot agents we spoke with. the nasty attitude and the it don't matter or count what you say we say this. even if one of their agent tells you one thing, you get another call from anther agent telling you something different and that the other agent told us wrong.
i can't believe i am even having to write a blog like this. or that anyone would have to put up with a rude, yelling, unintelligent agent from a large company like home depot ! we are going to try and find an attorney because i do believe they practice unlawful billing, harassment and all the above. WHAT EVER YOU DO, DON'T APPLY FOR A CREDIT CARD FROM HOME DEPOT. BETTER YET TRY NOT TO DO BUSINESS WITH THEM ALTOGETHER!

I opened a credit line with Home Depot to take 50% off the purchase. I never received a bill, or my card. I received two emails saying that my statement was ready and when I clicked on the link to view the statement, I got an error message that the server could not be found. I tried to pay the initial balance of $49 through my online banking, but that required an account number. So I called Home Depot Consumer Credit Services. They asked me for my full name, social security number, email address, street address, and phone number. But when I asked them for my credit account number, they told me that they couldn't give me that information over the phone. WTF! They told me to go to my local Home Depot and have one of their people contact them and they could give a complete stranger my account number. They also couldn't get straight how much I owed. The first lady I talked to said my total balance due was $49. She told me that if I showed my California Driver's License to the check out clerk, they could access my account and I could pay the balance. When I did this, the check out person told me I owed a total balance of $81. When I told them the representative I previously talked to gave me a different balance. She suggested that I log onto the Home Depot Consumer Credit website to clear up the discrepancies over total balances due. So she wrote my account number on the back of my receipt. When I got home, I tried to access my account, but the online registration required the three digit security code on the back of the credit card they NEVER SENT!. When I asked why I hadn't gotten any billings or credit card mailed to me, they told me that I had "opted" for electronic billing. Besides that not being true (I never "opted" out of mailed billings) the fact that I never got a physical credit card with the associated three digit security code on the back, there was no way to pay my balance. Now after three months and a dozen or so automated harassment calls demanding payment (that I cannot do without the security code) I have more than lost my 50% savings in late fees.

I refuse to pay late fees on a credit account that Home Depot made impossible for me to pay. The absolute incompetence is astounding! After being a faithful Home Depot customer for 20 years, I am about ready to switch over to Lowes...even if they are a little bit more expensive. I have a problem with rewarding such blasted buffoonery with continued patronage.

I tried to close out this account based on two final bill statements. The most recent bill statement i paid off was for a remaining balance of $7.32. Now Citibank says that they reversed a payment on the account leaving me with a $34 balance. The account they said they used was from a bank I no longer have an account with. This payment therefore was unauthorized because I nofified them months earlier that that account was closed. Last month, a Citibank manager agreed to record the account as "Paid in Full." This month I recieved a statement with the balance still owing. The final manager I talked to ended the conversation and hung up on me when I got frustrated...I may just pay the balance because it is a small amount, but dont think that Citibank should have attempted the withdrawl. I paid in full for two statements...If anyone knows of a class action suit against Citibank for similar charges, I'd be interested in helping.

1. I paid my credit card bill off in full on October 21, 2010.
2. December 31, I get a letter saying that they are reporting me to the credit union for $12.46. TWELVE EFFING DOLLARS.
3. I called up, quite confused as to why this has occurred. I received no phone call, email, or letter informing me of these extra charges. I have never been late to date and have a great credit history.
4. They tell me they are sorry that no one contacted me and they do not know how this could have occurred. I was passed to a senior rep. They assured me that they would resolve it with the credit agencies and it will disappear within a month, and apologize again. I promptly pay the $12.46.
5. I receive a letter today dated January 5, (it is now Jan 12) saying that they are 'unable to change the information reported to the credit reporting agencies as it "accurately" reflects my account history with them.
6. I call, again, confused by this. I ask why it was not resolved as promised. They said that they are sorry that their senior manager reported 'inaccurate truths' to me but there is nothing they can do.
7. I cancel the card and tell them I will never do business with HD again. NEVER. Nor will myself or any of my family.
8. This is entirely unethical in my book. I paid the bill off in full. Received no notice of extra charges. Then, when they tell me that this will be taken care of, they lie. Now my credit is hit for SEVEN years over TWELVE dollars.

Home Depo ruined my credit, they send my first bill to the wrong address, When the collection agency called me, I forgot about it, I thought It was a scam, when I did my investigation
I realized the mistake, I paid the $44, 00 louzy dollars, but now, the credit bureu, shows paid in full, but that I did not pay on time, nobody is doing anything about it, when the clerk asked me if I want a credit card I remember saying no thanks, she pushed me come on get one come on, can somebody help me, sofabian5@aol.com..I don't want in my record to show that I did not pay my bills on time, , I did not do nothing wrong !

I had a .47 balance and they charged me a $35.00 late fee which they wouldn't waive. I told them I would close account and they said OK and closed it. Like that! They even wanted to charge me $14.95 to pay the balance by phone. All for 47 cents! We have spent thousands of dollars there over the years but we won't ever step foot in Home Depot ever again!