Anyone who buys something on a no-interest, no-payment promo deal, without full intention and ability to pay it off at the end of the promo period, is either ignorant (of the fine print) or deserves to have a low credit score.

There is still a good way to use the Home Depot card, I run up a huge balance, and then pay it off, and then close it, never paying interest, and foiling all their plans. I have been doing this flipping houses, and I got them instead of them getting me! HA!

I flip houses by fixing them up and selling for a profit, and I do it with integrity. So the card can be used like this interest free for 6 months, and I sell the house before paying any interest. I have done this even now in this harsh market, no problemo.

There is no reason whatsoever why someone with my credit rating of 773 should be paying the interet rates charged by Citibaank for Home Depot cards. I also got scammed by the 6 month interest free deal, missed paying off the card by ten days, (although I never missed a monthly payment) and got dunned more than $300 of "accured interest" on the interest free purchase. That's right, folks. The full interest rate accrues, so that the purchase is only interest free for six months if it is paid of in the six months. So don't go out and buywhat you need to fix up your house using the Home Depot card. Use a card with a 9.99% interest rate, and what you save in interest, apply to the principal. And we are the smucks who are bailing out the banks!

The same has happened to me. I have been with Citi Bank for over 4 years, always paid on before time and always paid more. I get a notice last week saying my rate was going from 13.2 % to 29.99%. Oh my gosh!!! When I called they said it was because of economic times and that they were sorry and I could opt out if I wanted which I will HAVE to do. There is more money on that card than I would like and I would never and I mean never pay it off at 30%. They will lose alot of customers and will have a bad reputation. SO LONG CITIBANK

Stay away from this home depot scam commercial **** card

This card sucks!!!!!!!!!! Interest 25% this is legal mafia

Don"t even bother applying for one you will be sorry you did
wrong misleading andvertising got me no interest for 6 months my ass......

I was just notified - while I was having $600 worth of lumber loaded - that my Citi / HD account with a credit line of $3,200 has been closed due to inactivity since 2006. The fact that I just received a promotional coupon for 10% off about three weeks ago seems unrelated.

Needless to say, I left them with the lumber and without my business going forward. Great job, Citi! You won't see me in Home Depot ever again. Might want to reconsider your choice of banking partner.

MY RATE IS ALSO GOING TO 25.99%, WHICH MEANS MY BALANCE WILL GO TO AND STAY AT 0%. I HAVE HAD NOTHING BUT LOUSY SERVICE FROM THE HOME DEPOT ANYWAY. EVEN THOUGH IT'S A CITIBANK CARD, HOME DEPOT HAS TO HAVE SOME INFLUENCE ON HOW THEIR CUSTOMERS ARE TREATED. MY LOWE'S CARD IS NOT GOING UP AND HAD A LOWER RATE ANYWAY.

Raising interest rates is a sad indication of consumer relations, Calling my phone to tell me i was late on a january payment, which I was not, and placing me in collections is sadder still. None the less I closed my account and paid the balance in full. I ask one thing: where can I send the continuous junk mail that you send me so you can place it in a des moines iowa landfill instead of a massachusetts landfill. My city and state would be forever greatfull. Better yet maybe you recycle and can use this money to fix your problems and reduce the charge to the consumers?

We have a home depot credit card,never missed a payment and always pay at least double the minimum. we just got a notice saying that our intrest being increased to 28.99% default is 29.99% wtf!!!!! you can call and opt out but that also means they will close the account, also hurting your credit. They got their bailout now what about us?

I dont have good credit, but I have never missed a payment and always payed more than the minimum (over a year). My rate just got jacked up, the box that says "APR on the account" is over 1000%!!!!! I am paying off the few hundred dollar balance and canceling this scam card. fuk that.