Fico score of 760. Applied for this card and got a cl of 7,000.00. This has been a great card for promo items with either 6 months or 12 months special financing options.
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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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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.