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Home Depot Credit Card

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Alonzo of Havelock, NC July 2, 2009

My fiancee was just looking around in a home depot store and she was stopped by a sales person and asked did she have a home depot card, she was out of work due to disability at the time, she told the lady, so the lady told her that she could use her fiance if she had his ss# and that she was going to call me for an approval, I never got a call and the lady at the store told my fiance that it was ok, opened the account,my fiance used it. My fiance was paying the card with her disabilities and she told me but here is the thing we had paid it off but had to use it again, so I got laid off after 17 years, my fiance had become ill, we were unable to pay.

When I did go back to work, home depot doesn't want to work with me, and I was trying to consult all of my debt b/c I have always had good credit, I was advised b/c I never signed an agreement, I shouldn't be held liable. I also advised home depot, if they would go back take all of the bad debt off, late fees, correct my credit I would keep the card and pay what is owed but they want to keep calling and harrassing. Is that fair to me?

Then one lady tried to get smart with my fiance and say well what your fiancee should do is take out a warrant against you. First, they should not have opened an account without my signature, the lady in the store tricked my fiance just to get an account, they have to make so many quota's in opening an account, and my fiance thought that she had spoken with me.

Yolanda of El Paso, TX June 18, 2009

My balance never goes down, my payments get higher every month the more payments I make the more interest they charge. I will never get out of this rut. The Interest is at 26.99 I feel that this is an abuse and robbery. The card belongs to my daughter but I am the one that used the card so Iam paying on it. I am on a fixed income on SS disability and this is getting me worse

TONYA of ELKTON, MD May 29, 2009

I am Home Depot customer. Charging me and whom ever else 25.99% APR is NOT going to get the economy ANYWHERE! All a 25.99% APR is going to do is cause MORE DEFAULTS! Home Depot cards WERE good cards to have for fixing up your home, but since the economy NOT DOING GOOD, they have made it next to impossible for a working person to use their card with the HIGH 25.99% APR. WHOOPIE, they offer 0% interest for 6 months IF you spend 299 or more, BUT if you have smaller purchase the interest is OUTRAGEOUS! I would NOT recommend a Citi Home Depot card to anyone!

JOSEPH of MCKINNEY, TX May 5, 2009

We have had an account with Home Depot since 2006 when we purchased flooring for a home we were selling. We have paid at least the monthly amount, usually a bit more on time each month. In March and April 2009 we were a couple of days late and the gracious folks at Citicorp DOUBLED our interest rate (15 % to 30 %) and charged us a late fee. I'm not disputing the late fees, but doubling our interest rate to the rate they state is a default rate is just plain greedy. We're attempting to resolve this with them, but after reading other comments, I'm not optimistic. We aren't in default right now, but if they won't resolve the matter and do what's right, we very well could be.

Due to the increase from 15 to 30 percent interest, we will be in a perpetual past due state. There is no possibility of maintaining those kind of payments at this time and we shouldn't have to. Even mortgage companies give people a 15 day grace period.

Kathy of Harrison, AR April 29, 2009

Found out they are now charging close to 30% on account and no chance of getting it lowered. Will never get this paid off. So trying out how to find a Credit solutions to help get out of this mess. If anyone out there opens acoount with Home Depot better think twice. I have not been using this account for several Months. They lowered my credit down which was fine just above what I owe.

Said they sent a letter out rasing interest but I never received one. Payment went up then went up again thats when I called and found out The 70.70 on statement that said purchase Cash AD was Interest so my payment only 30.30 would go on the bill so no way I will ever get this paid off I have no extre money.

Bunnie of Sierra Vista, AZ April 23, 2009

On August 20,2007 we bought carpet from this store (They sent me a letter in the mail saying~If you pay off in 6 month's,you won't be charged interest! So on 8/20 we paid 1598.96~Visa then on 9/15 we paid 250.00~ then on 10/17 we paid 250.11~Check# 2943 then on 11/17 we paid 250.00. So then my husband went to the bank (Wells Fargo to get a EFT that started 12/31/o7) BUT no one took out for 1/17/o7 and I didn't notice so that made me not paid off in 6 month's, so I was charged 106.37 Interest & Service Charge.

I sent them a letter but they didn't think they did any wrong. I would appreciate any info. about this. (The only reason I'm writing now is because they keep sending me ad's on my computer)~so I dug up this old letter.

H.l. of Oakwood, TX April 18, 2009

H.l. of Oakwood TX (04/18/09)
I have been making attempts since 2006 while serving in Iraq to close my credit account and have it reported closed to the credit companies closed. I have been told by Home Depot personnel by phone that after two years of no use on the account, it would automatically close. It is 2009 and still I am making attempts to close this account and report the closing to my credit report. I do not reside in the U.S. and have not been to the U.S. in years and have no plans to come to the U.S. anytime soon.

The last call to Home Depot advised me to wait until I return to U.S. and call to close this account. Why? I would be very grateful if [they] could convince personnel to close this account as requested for the 5th time in the past four years. I feel it is a simple request and does not breach any laws of me wanting to close an account in good standing. Please advise me if I am wrong.

This account that is not in use shows open on my credit report. I have accomplished closing all accounts in the U.S. except this account by phone call or e-mail and want to insure the safety of my credit report and that no accounts could be used in my absence from the U.S. For the safety and security of my credit report and the absence of my presence, I would feel safer that this account show closed on my credit report and in good standing closed with company.

Sean of Lakeside, CA April 4, 2009

Sean of Lakeside CA (04/04/09)
At 11pm on 4/3/09, I logged on to make my payment. By due date/time is 5pmPST 4/4/09 (still 17+ hours away). I noticed a late charge was already posted to recent activity for 35.00 dated 4/4/09. (Remember it's 17hours before its due and still 1 hour the day before. I made my online payment. I used their Contact Us and asked how they can charge a late fee before the deadline has even arrived. I asked them to remove the late charge fee. I got a response back around an hour later (still about 16 hours before the due date/time). They said we can't reverse it as your payment hasn't posted. (It is STILL not late yet, remember).

As I write this, the payment due date/time is 16 hours in the future. I have my payment confirmation number, with date/time of payment in their email. I took screen shots of the browser showing what time it was and the POST-DATED late charge. How in the world can the customer service person who answered my query about this not see how they're in error and not fix it?

So far, about 2 hours of time messing around trying to fix their blatant error. We'll see how much more time is spent.

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