Home Depot Credit Deceptive Credit Practices-No notification of pending charges Atlanta Georgia

Ever actually look at any of the statements and read what they said? They tell you how much interest you are acuring during the promotional period. They tell you when the promotion period is over and exactly how much you will owe in interest IF the total amount is not paid before the end of the promotion period. They tell you that each and every month, 12 times before the end of the promotion period is over, Whether you choose to read it and understand it is another matter. You have to ask for the 12 month promo to get it and sign for it. You do have to be careful that last month because the promo period may end BEFORE your last due date. I pay the last total amount off on the 11th month to make sure I'm covered.

Ever actually look at any of the statements and read what they said? They tell you how much interest you are acuring during the promotional period. They tell you when the promotion period is over and exactly how much you will owe in interest IF the total amount is not paid before the end of the promotion period. They tell you that each and every month, 12 times before the end of the promotion period is over, Whether you choose to read it and understand it is another matter. You have to ask for the 12 month promo to get it and sign for it. You do have to be careful that last month because the promo period may end BEFORE your last due date. I pay the last total amount off on the 11th month to make sure I'm covered.

Ever actually look at any of the statements and read what they said? They tell you how much interest you are acuring during the promotional period. They tell you when the promotion period is over and exactly how much you will owe in interest IF the total amount is not paid before the end of the promotion period. They tell you that each and every month, 12 times before the end of the promotion period is over, Whether you choose to read it and understand it is another matter. You have to ask for the 12 month promo to get it and sign for it. You do have to be careful that last month because the promo period may end BEFORE your last due date. I pay the last total amount off on the 11th month to make sure I'm covered.

Ever actually look at any of the statements and read what they said? They tell you how much interest you are acuring during the promotional period. They tell you when the promotion period is over and exactly how much you will owe in interest IF the total amount is not paid before the end of the promotion period. They tell you that each and every month, 12 times before the end of the promotion period is over, Whether you choose to read it and understand it is another matter. You have to ask for the 12 month promo to get it and sign for it. You do have to be careful that last month because the promo period may end BEFORE your last due date. I pay the last total amount off on the 11th month to make sure I'm covered.

I work for Home Depot Credit Services(Citi Bank.) There is NEVER a such thing as an interest free credit card, please understand that. Interest is how banks make their money. What you were a part of was a promotion that Home Depot carries from time to time. 12 months no interest and no payments on purchases of $299 or more.

On that promotion the interest adds up (which is shown on every single one of your statements) and if you do not have that promotional balance paid off by the 12th month, that interest that we've shown adding up on the statement, will be billed to you. Those details are in our terms and conditions which you can access via the homedepot website or you can find them throughout the store.

Also, as i've said, on your monthly statements it showed the interest accruing. If you had that promotional balance paid off before the 12 months, you simply would have never been billed that interest. It's not deceitful and it's not illegal.

Beyond being in our terms and conditions it's simply common sense that nothing is free and promotions don't last forever. As a consumer, responsibility has to be taken to either fully read the terms and conditions or contact our customer service department to make sure you have all the correct information from day 1.