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Home Depot Credit Card

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sophia of flushing, NY September 13, 2009

The customer service rep said there is no more finance charge for my statement for august month's bill. However, I still get charge for it. I spoke to customer service rep,financial rep, and account manager. They all said they cannot wave for my finance charge. I do not understand why I still get charge for the finance charge if they told me to subtract finance charge amount from the total balance? The second customer rep that I spoke to said there will be no finance charges for August's statement. Howcome finance charges still accure?

I do not have problems with other credit company. They wave charges and will be no more charge for the following months. I feel that the homedpot rewards master card company is not a good organization and they do not know how to treat people. They are not well train and do not tell customer the consequences if customer do not paid the total balance. I learned my lession and I do not want other people to get what I got. So please let people know that It is better to pay all total balance rather than the difference of finance charge and total balance. Thank you.

david of santee, CA September 10, 2009

Last month called Home Depot to see if 26.99% APR could be lowered (was being charged 55.55 out of 82 for finance charges). Person said nothing could be done at that time because of a "late-payment" that occured less than 6-months earlier. She advised trying in Sept. I called requesting a lowering of APR. this month (Sept) and was told that the 26.99% was not because of an earlier late payment, but that that was the agreed upon interest rate for this account and was non-negotiable. This isn't right. Please help!

Jay of homewood, IL September 8, 2009

25 percent on my home depot card,interest that is. my loyalty to Hd has been great over the years. I buy all my house repair needs from the homewood store.please guys that is a bit much.i will pay off my card and go to another store.

Ronald of Aiken, SC August 25, 2009

I got a Home Depot Creidt card last year in August. They said the first month I was 30 Days late. I have never been late on anything in my life much less a 10 min. payment. I paid the card off in full when I learned of this and again this month they say I was late. I have begged and asked that they please remove this from my credit and they refuse. I am a developer and this makes a big impact on my borrowing ability and has cost me 100 of thousands of dollars. I need some help to get this removed. If I need to get a local attorney I can and will. Please let me know.

Michael of Toledo, OH August 23, 2009

Ive had my HD card since 2005, my account opened with a 2500 limit, and an interest rate of 15.99% I have used the account frequently, and paid off, charged, so on. I got the love letter a few months ago about the interest rate increasing to 25.99%. I didnt give much thought since i always spend over 300 to get the 6-12 month special.

My current balance is 994.06, which left roughly 1500 open to buy. I wanted to make a 400 purchase, and my card was declined, in front of God and the whole store. I called CITI, guess what, my credit limit was LOWERED to 1000 due to economic conditions! This act also lowered my FICO score! Beware!

IDA of DETROIT, MI August 21, 2009

I had the account for years and made my monthly payments. I received a letter from them saying that they were closing my account with them. The reason was something on my credit. I have a closed account with them but why should or do I have to pay fee or interest any longer. I was wondering if I could go to small claims court and pay them a monthly payment through the courts.

Pat of Tallahassee , FL August 13, 2009

I read about credit card companies using predatory tactics to raise interest rates, but I thought customers would be too important to Home Depot in a tight economy to risk that kind of crap. Wrong. I suddenly discovered my interest rate had been raised to 26.99% without ever seeing a notice that there would be a change, no late payments, no overdrafts, no terms violations of any kind. They claim there's nothing they can do, they have to recover their losses from last year, and supposedly they sent out notices.

Theresa of Spring, TX July 15, 2009

Home Depot continues to charge me for disputed fraudulent charges in excess of 5000.00 THey are charging excessive interest and late fees. My credit has been adversely affected. Home Depot has lowered my credit limit and reported fraudulent debt to credit reporting agencies. They have over 5600.00 they should not have received from me.

mary of lawton, OK July 14, 2009

rep said they would not let us keep old rate at 21.00%. it would be 25.99% or nothing. never been late or very often carry a balance. the balance right now is under 600.00 and we pay them more then the minimum due which is 10.00 and we pay the 50.00 a month in order to get it paid,because part is no interest if paid in 6 months.

Raymond of Englewood, FL July 10, 2009

I curently have a loan application in proscess and was told my the bank that we have a single negative entry on our credit record. Which was placed by Home Depot, indicating a late payment in 2008. I have NO record of amy late payment ever. I was told that unless I could prove it was a bank error the entry could not be removed. I must ask could this have been a Home Depot error? However we were told that unless we can prove it is a bank error they could not do anything for us. Our credit rating is spotless but for this entry made by your people. I have been offered no help to resolve this problem.

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