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 I got my bill, paid off the entire balance, and my money was withdrawn from my bank account the day after I made the online check payment.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.

Very misleading, this company will tell you whatever they can to get your money without fixing any problems.

lowered my credit limit after paying off the same as cash within the agreed period.

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.

Don't waste your time with this credit card because of the promos. Junk. Poor service.

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.

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!!!!

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.

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.

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

As I went through and read all of your "complaints" about this card I couldn't help but laugh. Have any of you actually READ the card agreement? Or did you just blindly sign your life away? For all you know there could've been a clause stating they will take your first born son if you default. As for the guy who said they don't give pay off balances and for some reason it's his God given right. Here's why: Finance charges are calculated on a daily basis and accrue from the day your statement starts until either the day its paid in full OR your statement cycle ends, in which case you are bill the finance charges for the time you .. (all together now) FINANCED the balance! The ONLY way to avoid it would be to pay off your balance the month after your purchase it! Woo hoo! Isn't learning fun?? And someone else complained about how when they use online bill pay it doesn't post the same day and Home Depot is viciously holding the money so they can charge a late fee. Again, read what you are doing! ANY online bill pay is NOT instant. If you make your payment today it will not post today, it will be processed and sent out. If you read the terms for your online bill pay you'll find it will ALWAYS take 2-3 days for them to receive. So! Let's do the math! My due date is tomorrow! OH NO! Wait! I can go through my online bill pay!! WOO HOO! ... wait... 1 .. + 2 ... isn't that ... 3? (BIG STAR SHOOTS ACCROSS) "The more you know" Almost all of you are at fault and just don't want to take blame. It's so easy to be ignorant and blame someone else than realize ITS YOUR FAULT.. And by the way, I don't even have a Home Depot card. This was all just common sense lol. Good luck.

So I called Home Depot tonight to complain. Last month I decided to pay off the card so I called Home Depot for the pay off amount. The person on the other end graciously obliged and I thought it was all good. NOT!! I received another bill today for $16.98. I called them back up to inquire as to why I was charged this. They said I owed it. When I stated that I paid them the pay off amount the gentleman informaed me that they do not give pay off amounts! Then he informed me if I wished to pay off the card I need to add another two dollars to the payment for finance charges. I am absolutely floored that they will not help the consumer pay off their debt by giving me information to which I should be entitled to (pay off amounts). The gentleman (and I use the term loosely) even went to the extent to inform me that there was no federal law that he was aware of that required them to do so. I closed my account!! I highly recommend anyone....ANYONE who reads this posting to not do business with these folks.

I have never had so much trouble with a credit card! The monthly due date changes regularly each month. I have a regular payment set up to be withdrawn automatically from my checking account. And it took me a couple of times to catch onto the changing due date. But even so, my checking account will show that the payment was deducted & posted from my account as being received to my Home Depot account -Yet Home Depot calls saying it hasnt been received, They dont post it to my statement & charge me late fees!! Its a bunch of BS!! I hate this card & will close the account as soon as possible!!

They refused to give me a crumby $1500 increase and my credit is not bad. nor would they give any explanation. I only havea losy $500 limit. I am timely on my payment and only owe about $140. I'm going to pay the balance in full as I usually do and cancel this card,It's not worth it.

I got the HD card for one moderate-size purchase. Thankfully, I will have that paid off in short order. Having had both good and bad experiences with credit companies in the past, I recognized some of the worst traits: Auto-dialing calls every 2 hours to my phone starting 3 days after the first billing due date (In my case, I was waiting for the initial BillPay through my bank to reach Citibank.) 22.99% interest for Excellent Credit. (I average 8% with others companies.) Unless you feel a strong need to have a card specifically for Home Depot (**or** Lowe''''s), there are other, better options. This card can be used to your benefit if you know how to work with the $300 purchase/No interest for x-months plan. Otherwise, this is a card (and a credit company) to avoid.

I have had this card for years and I have never had a problem. I only use it for purchases of $300 *or* more so I can get 0% deferred financing. This card is great if you have some big purchases to make. But be sure to pay your balance off before the promo rate expires. Otherwise, they will hit you with ALL of the interest that built up during that time. People on this board are so upset that their payments only pay down 0% balances while any other balances accrue interest. But that is how ALL credit cards work and it is stated in the terms of use. Payments will always be applied to balances with lower interest. It is not a big secret. As for the people that opened accounts for their irresponsible children, who then maxed out the cards and defaulted... lesson learned. If your kid has terrible credit and can not open an account, then they probably should not have another credit account. Your children should be ashamed of themselves. That is why our economy is teh way it is, banks were willing to issue credit to people that could not handle it. I have never had a problem with the customer service. But I make all of my payments on time and I am in good standing with them. So why would they be rude to me? Bottom line... this card is great for people that are responsible enough to handle it. The deferred financing is very convenient, especially when it is for 18 months. Please do not get this card if you are irresponsible and will not make payments. I do not want my benefits compromised because of you (*or* your children).

the card is a scam on so many levels it is amazing that Citibank execs are not in jail - but I guess that's what happens to extremely rich criminals. This is the type of company that will send you a letter in the mail that says 'do nothing and you will receive a credit card in two months' If you don't want the credit card then call some number. god help you and your credit score if you dont read the fine print - or like 99% of people throw out the credit card solicitation letter.

When I built a shed in my back yard, I went to HD to get the materials. Racking up over $1,000, I decided to take advantage of the "interest free" deal, keep my money in the bank for a half year to collect interest, and pay off the bill in 6 months. Wen I completed my project, I had materials left over and decided top return them to HD for a refund ($180). No problem. They refunded my money, crediting the amount to my card. Five weeks after I got the card, I got a call from CITIBANK, a lady who couldn't speak english well, telling me that I was delinquent on my card and to pay $44. She would take a credit card billing over the phone. Outraged because I didn't get a bill and shouldn't have a balance due, I got online, registered and looked at my bill. Unbelievable! They charged me $13 to return items and started charging me interest on the $13! I opened the account in July, it closed for billing 10 days later and because I didn't pay the $13, they added $30 as a late fee! Telling the lady from the credit card company that I just got the card and never received a bill she simlpy wanted to differ, claiming that I did receive it. Unwilling to argue with an idiot, I paid the amount in full and cancelled the credit card. The issuing company wanted to know what they could do to keep my business. I was livid. Am I dealing with the MOB? Bottom line: This card was set up to snag suckers into paying more and it works. Don't get the card, use cash or legitimate credit. CITIBANK and Home Depot must be aligned with the MAFIA. Shame on them!

There CS reps are rude and nasty. I closed both my accounts with them Lowes and Home Depot. I won't shop any company that uses them as credit provider. That how bad they are. I see they are part of the GE Money Bank now.

I purchased over $2,500 worth of remodelling material, including a shower door at $185, with their credit card. The gimmick was, for any purchase over $299, interest/payment is deferred 6 months. Well the shower door had to be returned and replaced. They gave me the credit entry on the card and then added the "new purchase". I learned that the "new purchase" was not part of the deferred interest/payment plan. Furthermore, when I made a payment of over $1,000 toward the account, it was porated to both the initial purchase and the "new purchase". With that system of accounting, you can NEVER pay off the "new purchase" in full without paying the entire account in full. I argued with the accounting department since they were charging late fees and interest both. I soon paid the entire balance and informed them that I would use the card again only if I needed to scrape gum from the bottom of my shoe. Unfortunately, I am seeing similar offers from other stores. Beware of all home improvement credit offers!

we have a home depot credit card which as far as i can remember we never used we got a call from someone who claimed we owed a balance i told them we did not know anything about it they started ranting and ravintg calling my wife an old scam bag all we wanted to know is what the charges were for and when they were made and we could find out what they were for we could straighten things out we never got a bill therefore we did not even know we had a balance we would then pay it we wanted to find out who used the card instead of trying to help he began to start calling names i had to hang up we donot deserve that abuse for something we knew nothing about

They would not give me a crummy $1500 increased line. The card had no balance and my credit was excellent. They will not discuss anything with you or give you an explanation. Poor people to do business with

the store overcharged me ,they caught their mistake credited my account,sounds good right, two months later I recieve my first statement saying I owe about 3 bucks and a 30$ late fee,I was surprised as it was supposed to no intrest or payments for 6 months, how could my payment be late? they charged me for a cash advance for the store overcharge,and never sent me a statement about it. When I called they said every thing was fine on their end. They dismissed the late fee but I still ended up having to pay the three dollars.I would never use this card again and have cancelled it. they refused to admitt any mistake on their part when I told them I did not understand how they could do this the man on the other end told me I should have my husband explain it to me(very offensive) the store was apologetic but did nothing to resolve the issue.

I obtained this card for my daughter in Feb. of 2001. My daughter had bad credit and could not get approved. They immediately issued me a -PREFFERED- customer card with a $8,000.00 limit. By May 2001 the card was at its limit. My daughter had been doing many repairs on her home. She told me to ask for a credit line increase, I did and got it. My new limit was $10,700.00. In Nov. of 2001 my daughter suffered a messy divorce and became unable to make anymore payments to Home Depot. I almost had a heart attack when she handed the bill over to me. The payments were $262.50 on a $10,232.81 balance!!!!!!!!!! I am 78 yrs.old and on a very fixed income. I called MCBG and told them to freeze the account and that if i may only send them $150.00 a month? After 1 hour on the phone speaking to different people I made a payment plan with them. Unfortuneatly, my ex-son in law got ahold of his old "authorized user" card and put a $750.00 charge on it. I called MCBG and yelled to them "I THOUGHT MY ACCOUNT WAS FROZEN"!!!!!!!! There excuse was only my card the primary was frozen. I since then, have not sent them a dime. sure my credit is ruined and i can no longer obtain a major credit card but I am poor and will just have to live with it. I continue to pay a Chase Visa.

In Feburary of 2001 my daughter decided to remodel her home. Since her credit was shot and horrible, she asked if I could get a charge account for her at home depot. I filled out an application in store, and was immediately approved for a credit limit of $4,000.00. My daughter maxed this card out in 2 months. In May of 2001 I recieved a collection notice delivered to me priority mail. It stated that my account balance had been pushed over by past due payments and was overlimit to handle this matter immediately my balance was $4,276.29- i called MCCBG and said that this account was supposed to be paid by my daughter which was on the account with me. Well they told me to get my LOW-LIFE A** off MY STUPID ROCKING CHAIR and PAY THEM THEIR MONEY!!!! I feeling so offended told them to screw themselves and to mess up my credit if they wanted to I didnt even care......after all they LOST OUT !!!!!HAHAHAHAHA

I think overall THD is a great store, but with the actually credit card there is some confusion especailly when monogram is handling the accounts, but in august citibank took over home depot credit so I believe in the long run people will be more satisfied. Monogram's non-deffered billing was very confusing and I agree with the people that have posted on this forum about how unfair payments are applied to the account. However, with the new bank things are applied different and the account makes more sense. I would recommend to anyone to contact customer service is a payment is misapplied to the wrong promo to be corrected. That is why they are there.

Pay monthly on time for all new purchases that are not are not on the allegedly deferred promotional offers. However, am billed daily financial charges at 21% on balances that I cannot figure out how they were derived when I pay monthly in full for all new purchases. I have never made one late payment. I don't have this problem with any other credit cards--just HD. I don't understand why this is happening. If matter gets resolved, I will change rating.

We obtained our Home Depot card a year ago when we started a major remodeling project. We made several purchases at different times, some at 6 months no payments, no interest, some at 1 year. When the 1st 6 mo. period expired we paid the balance for that purchase in full only to find that a portion was applied to this purchase. The remaining was applied to purchases that would not expire for several months. After we spent hours on the phone trying to correct their mistake we got our next statment and the same thing again. Repeat this process five more times and you end up here.

I tried to increase the credit limit within a month after I got my credit card they told me I could not. But I already had 300$ credit that I could use. I wanted to buy some stuff from home depot and I was told that the account was closed because they could not increase my limit. I have just one thing to say, tell me which credit card company closes account without informing the customer because they did not increase the limit?

In February and March 2003, Home Depot was offering no payments, no interest for one year on purchases of flooring over $299. I made a purchase of $900.00 which I shouldn't be making a payment on or paying any interest until March 2004. I received my receipt to find that the payment of $150.00 that I made on my credit card was credited to the amount that was not be be paid back for one year and my current balance had nothing taken from it, but added interest on top of my already accumulated interest. This is fraud advertising and I'm contacting our better business bureau today and filing a complaint. The excuses I get when I call the card company in GA, is we are out of state and we can do what we want, we don't go by PA laws.

I obtained the card due to a large project. Some items were "deferred." I paid the non-deferred amounts on time each month, and the deferred items when due. However, their accounting practices are to apply some of the payment to the deferred and some to the other, thereby causing you to incur interest charges on the "non-deferred" items...Eventually, you end up paying interest on interest on interest...and they do not respond...legal action to follow

For us out here in the west coast your service to us ........ I am only refering to the credit card. I work all day and by the time I get home a little before 5pm you are closed. I have a problem with a 6 month purchase. I returned this product weeks after the purchase and I still have a balance oweing.

i would like to be contacted on what other fetures Home Depot offers.

Purchased over $600.00 in their store. Since I live over 100 miles from nearest store, tried to purchase online with their commercial card....was refused twice by issuing bank. Tried to resolve problem over telephone....they told me ..."use another card". If you are a business and want to make online purchases......"use another card" or try another company.

The card issuer is the one I have the grip with and as I been searching the web I see that the company has had alot of complaints against them. I know see why

Despite 2 letters (one of which was registered), I have received NO response from the customer service department after a billing dispute.

Easy to obtain -- filled out a form in the store and was authorized on the spot. Received 10% discount the first time I used the card, (the reason I got the card). Saved me $60. Because it was a large initial purchase, they have also offered me no interest for 6 months, HOWEVER, if I don't pay every cent before the deadline, I pay the full 21% interest for the entire 6 mo. So, good card for the purpose. DO NOT carry a balance on this one.

I sent a payment in to the Home Depot a week before the 9/11 attack,they cashed my check($225.54) but never credited my account.So I called custmor service they said to send a copy of the cancelled check, so I did, two months went by and still no credit to my account so I call customer service again, they said send the cancelled check again so I did. Well it's Febuary 18th 2002 and still no credit to my account. Now if thats not poor customer service then I don't know what is.

I filled out the application as a joke. Several weeks later I actually received it in the mail. Home Depot took a chance on me and started me on a good credit history. Thank you, Glenda Badgerow