Report: #560636

Complaint Review: Home Depot Credit Card Citibank

  • Submitted: Wed, January 27, 2010
  • Updated: Sun, March 14, 2010
  • Reported By: Ripoff reporter — Nationwide U.S.A.
  • Home Depot Credit Card Citibank

    United States of America

Home Depot Credit Card Citibank Home Depot Credit Card abuses late charge practices Internet

*Consumer Suggestion: Every check out at a HD store is a mini HD- credit card sales presentation

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Let me begin by stating it is never a good idea to use a department or in-store credit card (such as Home Depot), due to the high interest rates.

I simply used it this one time for a quick office repair item.

I have never been late on these type of credit cards due dates. Somehow, due to a technical issue, the payment I attempted to post before the due date of January 19, did transact on Home Depot's credit card site (  

On the 25th, I was checking the statement and noticed the payment was not made and now a late charge of $20 was imposed.

I promptly made a payment for past due, and called their customer service.  The Home Depot Credit Card representatives were very hostile and stated, "We cannot do anything since you made the payment over 5 days past the due date.  Since your payment was on the 25th, that is 6 days late."  The rude reps I had the pleasure of speaking with were: Anyssa (customer service agent), Vicki (manager), Kip (manager).... the list goes on.

I went ahead and paid off the balance (minus the late charge), and asked if they would still be able to do something about removing the $20 (more out of principle at this time).  The answer is still "no", and all of the managers I spoke with claim no one has the ability to override this feature.

I strongly recommend not using Home Depot Credit Cards for anything. 

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This report was posted on Ripoff Report on 01/27/2010 10:10 AM and is a permanent record located here: The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#1 Consumer Suggestion

Every check out at a HD store is a mini HD- credit card sales presentation

AUTHOR: Steve - (U.S.A.)

Home Depot is getting more and more aggressive on their sales practices for the HD  Credit Card.   Every time when you check out  you have to explain to  the  cashier that you are not  interested in  a  HD  credit  card  and  that you are happy  with  the  credit card you currently  own  and  that  the HD  credit card does not  offer you any  benefits  like  for example  the  points or cash back  that you are getting by  using  your  bank credit card.

I  feel  that it  is  none of  HDs   business  how  you  are  going  to  pay  and  that  a  customer  who  walks  into  a  store  in order  to  buy  a  package  of  nails  does  not  agree  to  be submitted to  sales  presentations.   All  what  he  wants  is to   pay  and  walk  out.

Now  HD   has  gone  that  far  to  offer  a  reward  to  the  customer  if  the  cashier fails  to  get  into  the  HD  credit  card  sales  pitch -   this  entitles   the  customer to a  free  bottle  of  soda  or  water.  

My  suggestion to  any  HD  customer is to  express  it  to  the  cashier  that  he  does not  wish  to  be  asked  for  the  HD  credit  card  (maybe  right after  the  "How  are we  doing today... ?")  - 

 Your  answer  could be  "Fine as  long  as  you don't  ask me if I am going  to use  my  Home Depot  credit  card today..."
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