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Home Depot Credit Card
Issued by Monogram Credit Card Bank of Georgia |
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| Total Posts: 39 |
Average Rating:
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Category: Retail |
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Showing 1 - 10 of a total of 39 Commentaries |
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1-10 | 11-20 | 21-30 | 31-39 |
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| "Not worth the plastic" |
| I am renovating an old house and got this card so that I could take advantage of the 5% off of all purchases. I first used it to buy all bath fixtures, plumbing, and other things, using up nearly all of the available credit. I got my bill, paid off the entire balance, and my money was withdrawn from my bank account the day after I made the online check payment. Five days later, I went to HD to buy all of my ceiling fans and light fixtures plus other sundries and the card was declined. So much for the 5% back on that large purchase. I called customer service and was told, after being transferred THREE times, that since it was a new account, they put a NINETEEN (19) day hold on the payment. NINETEEN DAYS. Really? Reasons? 1. When we get a payment, we compare it to the previous month's payment and yours is a new account so we didn't have anything to compare it to. Apparently this sent the computers into a frenetic looping program and they blew up? 2. When people pay off their whole balance, or an amount more than the minimum payment, we put a hold on it because we're not sure they meant to pay that much. Really? Since when did Citibank give a rat's behind about their customers? 3. We can find out if we can do a three-way call with your bank as to whether or not the monies have transferred but they probably didn't send it right away. Really? Because I'm looking at my account online right now and the money cleared a week ago. In fact, it was so long ago, I had to click "more" to get more transactions to show up in the "recent transactions" box. 4. We put a hold on the payment to make sure there were funds to cover the payment when the payment comes in. What about since it is an electronic payment? The payment is instant - it's not like a week-old check on an account that might NOW be overdrawn. 5. We put a hold on electronic payments because even if they go through to us, we can't verify that they are here but again, we can call your bank with you on the line to verify that. So you need to call my bank to have MY bank verify that YOU have MY money? How do they know? Is Citibank going to let my little local bank look at their records? To sum it up, if I can't take advantage of the 5% off, the card is of no use. I cancelled and will just shop at Lowe's. |
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| Most attractive feature: None since the best features were nearly unusable |
| Least attractive feature: customer service |
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| Posted by: Ellis |
| Date: 5/4/2012 |
Recommend?  |
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This person does not recommend this card.
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| "Home Depot Credit Scam" |
| Very misleading, this company will tell you whatever they can to get your money without fixing any problems. |
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| Most attractive feature: It's Pretty? |
| Least attractive feature: Customer Service |
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| Posted by: Pete |
| Date: 3/28/2012 |
| Recommend? |
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This person does not recommend this card.
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| "credit limit change" |
lowered my credit limit after paying off the
same as cash within the agreed period. |
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| Most attractive feature: looks good at first |
| Least attractive feature: appears to offer a good deal |
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| Posted by: sam |
| Date: 3/20/2012 |
| Recommend? |
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This person does not recommend this card.
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| "Morons who FINANCE things then blog about how they cant pay off their debt." |
| Every time I make an online payment for The Home Depot card it tells me exactly when it will post... read the pages after you click on submit. If I can do this from the Middle East you are very likely suffering from a low IQ. Or, you FINANCED something that you could not afford. And a "Pay off balance" only applies to accounts in default. Pay your balance every month and its a pretty sweet deal. |
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| Most attractive feature: Same as cash promo's (3months/6months) are awesome... ! |
| Least attractive feature: No Home Depots in the Middle East. |
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| Posted by: Kevin |
| Date: 6/19/2011 |
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This person does recommend this card.
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| "Junk - Poor Service" |
| Don't waste your time with this credit card because of the promos. Junk. Poor service. |
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| Most attractive feature: None |
| Least attractive feature: No follow up from Customer Care |
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| Posted by: Domenick |
| Date: 6/14/2011 |
| Recommend? |
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This person does not recommend this card.
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| "To GAW" |
| Just to let you know most if not all online bill payments are set up for same day. I have a Verizon account that I can go on at 11:00P.M. on the due date and it gets paid in time. I have never had a late fee. Home Depot is one of the few stores where it takes days to process. |
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| Most attractive feature: No interest if paid in full within 6 months. |
| Least attractive feature: Late payment fees. |
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| Posted by: CB |
| Date: 5/26/2011 |
| Recommend? |
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This person does recommend this card.
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| "home depot citibank credit card" |
| dont ever be late..... i have received over 100 calls in a 30 day period at the earliest 7:28 am to the latest 9:58 pm they will make your life a living hell.... dont get this credit card citi bank is the worse!!!! |
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| Most attractive feature: none |
| Least attractive feature: interest, customer service. |
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| Posted by: sososomadd |
| Date: 3/28/2011 |
| Recommend? |
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This person does not recommend this card.
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| "Black hole of payments!" |
If you have a HOME DEPOT CARD you need to know this....
In making a payment if you miss their "due date" but get it in within one to four days of that date you will be charged a late fee. Their explanation is "You missed the billing date but paid within the billing period so it won't credit towards your next bill. So you got a late fee." WHAT???!!! Yes, ladies and gents, there is a payment black hole in the payment system at HD!!! I set up our payments to pay off our 6 month same as cash monthly on the 10th. Billing "ended" on the 6th so 2 months later I have 2 late fees even though I've made 3 payments amounting to more than 1/3 of the balance. Where's the legislation to stop these thieves - the shell game continues!! I closed our $12000 credit line. |
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| Most attractive feature: same as cash |
| Least attractive feature: The black hole between the billing date and the billing period close date. |
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| Posted by: Julie |
| Date: 8/19/2010 |
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This person does not recommend this card.
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| "I was mislead from the start" |
| My wife and I were told that our payments would be applied to our promotional balance and they were not....now I am going to have over $400 in interest added to my account in July! We knew that the promo balance had to be paid off before then, which it would have been if what the store clerk had told us was correct. Now I am seeing that our initial $1500 purchase still has $1300 left on it after a YEAR and 11 payments!!! I am beyond upset at this.....we have been loyal customers from day 1 and now, because we were not told to physically call in and request that our payments be applied to our promotional balance, we are getting hosed with a large interest charge. And no, I am not mistaken about what the store clerk told me. She said that all payments would go to the promo balance even if we came back and added more items to our account.....which made me happy and we did repeatedly. We could have had the promo balance paid off long ago! This NEEDS to be addressed! We do have other shopping options....and so do our friends and family. |
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| Most attractive feature: they gave me a high limit right away...... |
| Least attractive feature: ......but now i know why. |
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| Posted by: andy |
| Date: 6/29/2010 |
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This person does not recommend this card.
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| "Home Depot Card" |
| Have had a card for 5 years and maybe late by 5 days a couple of times, I forgot to schedule my payment due on the 5th and paid it on the 10th. Tried to use my card to charge $50.00 worth of items and they denied the charge. I was not anywhere close to my limit and only 5 days late. They do not appreciate the customers. It is not Home Depot's fault it is GE Monogram who holds their cards, from now on I am just paying cash and GE Monogram can go to he double L |
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| Most attractive feature: The card is good for scraping ice off windshields |
| Least attractive feature: They treat card holders like dirt. |
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| Posted by: Sharfire |
| Date: 5/10/2010 |
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This person does not recommend this card.
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Showing 1 - 10 of a total of 39 Commentaries
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1-10 | 11-20 | 21-30 | 31-39
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