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The Home Depot® Consumer Credit Card

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Most Helpful Positive Review

Dec 12, 2012

We like it!
Helpful to 1 out of 1 people

After buying a 150 yr old house, lots of DIY projects, got the HD card and have had no problems. Use the no interest (used to be no payment/nointerest) function for planned larger purchases with great success. Never had a problem with increasing credit line, that has happened automatically,

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kkimins's review was:    

 

Most Helpful Critical Review

Aug 14, 2012

Helpful to 9 out of 9 people

Recently I attempted to purchase a new washer/dryer from my local Home Depot because they had 0% financing for card holders.  I tried my card but was told the account had been CLOSED.  No problem.  I applied for credit again and was refused and was told I would be receiving a letter explaining why I was refused.  Easy enough.  Right?  Wrong.

The reason for refusal was sent to me with a bill showing a balance of $250.54 in addition to a letter from a collection agency.  Upon a closer look I saw that the Late Fees & Interest for the Year totaled $250.14.  I NEVER RECEIVED A STATEMENT or used the card this year.  Now lets do the math.  The difference between the fees/interest and the current balance is $0.40.  Yes 40 cents.   Citibank decided to accrue late fees and interest on 40 cents from the beginning of the year totaling over $250. 

The folks at Citibank are a BUNCH OF CROOKS.  BEWARE!!!!!!! and check your statements carefully.

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Reviews (83)

1 Contribution
1 Person Helped

Most Helpful Positive Review

We like it!

Helpful to 1 out of 1 people

After buying a 150 yr old house, lots of DIY projects, got the HD card and have had no problems. Use the no interest (used to be no payment/nointerest) function for planned larger purchases with great success. Never had a problem with increasing credit line, that has happened automatically,

Most Helpful Negative Review

Helpful to 9 out of 9 people

Recently I attempted to purchase a new washer/dryer from my local Home Depot because they had 0% financing for card holders.  I tried my card but was told the account had been CLOSED.  No problem.  I applied for credit again and was refused and was told I would be receiving a letter explaining why I was refused.  Easy enough.  Right?  Wrong.

The reason for refusal was sent to me with a bill showing a balance of $250.54 in addition to a letter from a collection agency.  Upon a closer look I saw that the Late Fees & Interest for the Year totaled $250.14.  I NEVER RECEIVED A STATEMENT or used the card this year.  Now lets do the math.  The difference between the fees/interest and the current balance is $0.40.  Yes 40 cents.   Citibank decided to accrue late fees and interest on 40 cents from the beginning of the year totaling over $250. 

The folks at Citibank are a BUNCH OF CROOKS.  BEWARE!!!!!!! and check your statements carefully.

Mar 22, 2015

great

I got a pre selected offer in the mail. not even sure that they pulled my credit as my equifax is closed. 2k credit limit from the beginning. will call when i get card to ask for increase when i want to do big project. love the 0 percent offers with the card. just not sure if the total must be over 299. or single item.

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Taxi818's review was:    

 
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Mar 28, 2015

Well they let someone make over $600.00 purchase on my card looking to transfer it and cancell

Katcoco's reply was:    

 

Feb 11, 2015

be warned , stay clear of this
Helpful to 0 out of 2 people

spent $30,000 dollars with home depot last year, not a penny more will i spend

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Mar 22, 2015

So what happened after spending that kind of money.

Taxi818's reply was:    

 

Jan 22, 2015

Used for 10% off initial purchase offer

We used it to purchase new carpeting and a lot of other things that we were planning on using around the house. All in one big purchase.

Once and done though. We won't be using it ever again as it has no benefits after that first swing. Very easy to apply and got a really big limit.

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Jan 05, 2015

Problems with Online Account

Finally figured out that our account had been changed from paper statements to electronic statements without our knowledge. Could not find online where to change this setting so chatted the "customer service" from Shi*ibank who told me I changed the setting and gave me the date and log entry. Since we absolutely do not have any account with online statements this was impossible. She told me I would have received an email confirming the change to our account. Guess what? The only emiail I got on that date was where I requested a copy of a receipt! So our Account Settings were changed by someone, not us and they cuold not have cared less. I called to follow up and was tolld the email probably went into our spam. Seems like they would be more concerned about problems with their website and customer accounts. We'll be cancelling this card, too creepy to deal with Shi*tibank, no problems with Home Depot but they should change the company they use to manage their cards.

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Dec 29, 2014

Don't waste your time

FIrst Off, promised instant credit access, doesn't work. Spent hours on the phone trying to get information, sending me incorrect passwords to access info, blank documents. Cancelled it, what a JOKE!

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Dec 18, 2014

The discount is too little

Not worth applying. You can get much more discount by buying gift cards from raise.com. 

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Nov 24, 2014

THD/CNBA won't close this account

I was an authorized user on the account when it was first opened by my significant other. Had my responsibility terminated the same year. The account owner passed away early this year and I noticed this account was still showing as an open account on my credit report, even though I'm not an authorized user. I don't have the full account number because that's not included on your report. I mailed a letter of explanation to THD/CNBA and included all the of the information about the deceased account owner, including a copy of the death certificate. Their response? A form letter stating if I'm questioning the information they provide to consumer reporting agencies, I must provide the sixteen digit account number, copies of the credit reports dated within the past 30 days, and a letter of explanation. If only my unfortunate friend had been one of the lucky ones who had this account cancelled for no reason!

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Nov 10, 2014

Cli

I've had this card for about a month now. I was sent a preapproved offer in the mail applied and was approved with a $500cl.. I spent $46.00 and paid in full by the due date... I then logged in to my acct and submitted for a $2500 increase got the confirmation that they will contact me via email within 2-8hours. Then i got the email logged in to read and I was approved. So now my Cl is $3000 Ty citi...

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Ritzy627's review was:    

 
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Nov 03, 2014

Instant Approval
Helpful to 1 out of 2 people

I am collecting accounts just to build my credit score.  I applied for this card with a CK 641.  Instant  approval $500 CL.  The high interest is no issue for me since I will not carry a balance.  The low CL is not an issue since that is more than I will spend at HD in any month.  The card costs me nothing, adds to my total credit line and helps my credit score.  BTW thanks for the tip on showing my Lowe's card (which I applied for on the same day and was instantly approved for CL $500.)

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photopoet's review was:    

 
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Oct 20, 2014

Very poor offering in general
Helpful to 1 out of 1 people

The interest rate on this card is high, but comparable to Lowes, HH Gregg, etc. That having been said, the card almost always comes with a paltry starting limit, they are stingy with CLIs and the card offers no discount unless you also have a Lowes card (which you have to show at the register) in which case they will match the Lowes 5% discount offering.

General thoughts? If I have to get a Lowes card to obtain a discount at Home Depot, the rates are similar, Lowes is much more generous with starting limits and CLIs, what do I need the HD card for? I just closed the HD card and shop at Lowes now.

This could be an excellent sales driver for Home Depot, but until they part ways with Citibank and find another servicer willing to actualy empower customers to spend, the current card is basically useless.

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elcid89's review was:    

 
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Nov 03, 2014

That is odd.  I applied for Home Depot and Lowes on the same day.  I had a CK score of 641.  Was instantly approved for both with identical $500 CL.  I am building credit so these two cards will not be used often -only for things I would have purchased for cash.  No balance carry.  The low CL is no problem for me.

photopoet's reply was:    

 

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Company Overview

The Home Depot® Consumer Credit Card, serviced by Citibank, offers Home Depot® customers card benefits. Cardholder features may include an interest-free introductory period, automatic savings for in-store purchases, special promotions throughout the year, and online account management. Online account access includes the ability to view statements, check balance, make payments, and request a credit line increase. Home Depot® also offers additional credit products, such as The Home Depot® Rewards MasterCard® , The Home Depot® Commercial Revolving Charge Card, The Home Depot® Commercial Account, and The Home Depot® Business Rewards MasterCards® to fit consumers' credit needs.

The Home Depot® opened its doors in 1979 in Atlanta, Georgia as a one-stop shopping for the “do-it-yourselfer”. The first stores were huge, 60,000 square foot warehouses that dwarfed the competing hardware stores. Empty boxes piled high on the shelves gave the illusion of even more product, the story goes. Today, The Home Depot® is the world’s largest home improvement specialty retailer, with 2,246 retail store across all 50 U.S. states, the District of Columbia, Puerto Rico, U.S. Virgin Islands, Canada, Mexico, and China.

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