The Home Depot Credit Card – Scam, Complaint, Review, or Praise?

Please share your experience with The Home Depot Credit Card and provide your review and feedback, in the comments section below.

The goal of this page is to allow people to share information that may be important to help others who have used The Home Depot Credit Card in order to make a more informed decision regarding their experience with The Home Depot Credit Card. Here are some potential questions you might be able to provide feedback about.

  • How did you feel about the customer service experience you received from The Home Depot Credit Card?
  • Was The Home Depot Credit Card easy to communicate with before or after you became a customer?
  • Did The Home Depot Credit Card respond to your communications promptly?
  • What were the fees charged by The Home Depot Credit Card?
  • Did The Home Depot Credit Card give you the terms and conditions for the credit you were interested in before you gave them any personal information?
  • Was The Home Depot Credit Card helpful in assisting you with your financial needs?
  • Did you have a really good experience with The Home Depot Credit Card you can share?
  • Did you have a bad experience with The Home Depot Credit Card you want to share?
  • Is there any other information you’d like people to know that might be considering using credit fromThe Home Depot Credit Card?

It is important to understand when reading comments below that they are the opinions of the individual posters and may not be representative of the overall impression of all consumers that may have or have not used the services of The Home Depot Credit Card. But everyone does deserve to have an opportunity to express their opinion, even The Home Depot Credit Card itself, be it good, bad, or indifferent.

16 thoughts on “The Home Depot Credit Card – Scam, Complaint, Review, or Praise?”

  1. I have excellent credit, am a high spender, and I am a card holder with many companies. Home Depot consumer credit card by citi bank is the absolute worst customer service I have ever encountered!
    Due to their own digital glitch on website when registering my card, They issued me a card that was inefficient, and I had no access to my account nor control over my card via their website. After 4 months of speaking with customer service, the bank, and going through numerous attempts to receive a working card and viewable online account, I went in physically to Home Depot. While the management was very dutiful, he ultimately had to call the Citibank to move forward. I spoke with 3 supervisors and not one of them had a solution for me. They would not allow me to close my account, pay off my bill, nor re issue me a new card because their systems would not allow them to authorize. They continually repeated the same script I was hearing for 4 months straight. We will send you a letter telling you to calm us or come in. I was thrown into an endless loop hole of following the same instructions only to get to the 3 rd step and them saying “ unfortunately, we can’t authorize this right now, we will send you a letter”.
    Thank god management at Home Depot allowed me to view my invoice, and pay my account off in full. And I simply destroyed the card since they would not fix the issue nor close the account after 4 months. I signed up with Lowe’s, who is owned by a different bank. They did NOTHING tell provide a solution and did EVERYTHING to impinge distress, problematic issues, and laborious time consuming efforts to attempt to fix their own glitches and errors in their digital system. TOTALLY UNACCEPTABLE AND DISRESPECTFUL. A middle schooler selling lemonade has given me more professional care, and better customer service than citi bank Home Depot consumer credit card agency!

    • I am having the same pathetic lack of customer service for a charge that I did not make. They are absolutely atrocious- and have no idea what they are doing. I have been in a loop and have made 9 phone calls today, I have had a dude who sounded like he just smoked a huge joint, a woman that I could not understand with her heavy accent, a fraud department woman who asked me to hold, and then never came. Another woman who was supposedly a supervisor, who said she would verify my phone number, and call me right back, which of course never happened. They can’t tell me what the charge on my account is for, and are absolutely in the dark about how their own systems work. I have remodeled a home and have spent over a hundred thousand dollars with Home Depot, and they will never get another dime of my money due to their utter incompetence…..scary

  2. i made a mistake and did not make the final payment of$14.and some change,it was a oversight on my part.when i seen my mistake i decided to change my bill to auto pay,although after the $14.i do not owe nothing.this was the first time in my life i had good credit score but because of $ score was droped 75 points,i am sorry i waslate so i setup auto pay,all for $14. dollars thanks a lot

    • That is good advice for all. Especially in these days of slow postal service delivery, it makes sense to setup an automatic payment of at least the minimum payment to avoid issues like this.

      Thank you for sharing.

  3. I had one Home Depot Card which I rarely used. Then at cehckout I was offered a 2nd card and I believe $50 off my purchase if I got a 2nd card.

    As a busy contractor I purchase a lot a home depot and many times us debit card. Sometimes I call in payments, sometimes pay on line. Anyway I called in a payment and Citibank said I had zero balance. I believe I asked her to make sure all Citibank HD cards had zero balance and she said the did. Citibank then started to bill late charges and interest. I called in and said I had been told I had a zero balance. I did pay the original amount I had purchased with this new card around $60 but told them I would not pay a late charge when I had been told there was 0 balance. They continued to add late charges on the late charge. Now it has over a $200 balance -all late charges on late charges.

    I call better business bureau, disputed it on line with credit companies and called Citi numerous times. I find out Citibank can give a person up to 5 home depot cards. What a scam! We need and attorney to file a class action suit against Citibank for this scam. Why would they ever want to give someone 5 home depot credit cards other than it makes the chances higher that someone will miss one and they can bill late charges.

    Citibank should not be trusted

  4. I had $57.99 left to pay off $3000 0% interest over two years. The last payment was late and we got $1000 interest charge and late fees. Refuse to negotiate. I have never been treated like this by a bank or credit institution. This is a scam! Stay away, it is not worth it. I am thinking of sharing this on Tik Tok to go viral and shut it down.

  5. spent $300. today at Home Depot, Russi one of the head cashiers at the Tyler Texas store advised that if I spent $14.00 more dollars could get $50.00 off. I gave the clerk my ss and information, I was denied a credit card. I ask for Citibabk to destroy my credit information , they refused, even after I talked to a manager. Manager at Citibank advised they can keep your information on file for 1 year. I have over a 800 credit score and this is a scam, that’s why the credit bureau would not allow them access to my info. Just a scam to sell you information . Called all credit bureaus and advised this scam

  6. I made one purchase, returned it soon after, confirmed a balance of zero–and tried to cancel the card at the store where I originally got the card. They wouldn’t allow me to cancel. Told me to call a number–same as on the back of the card, I had tried 2x to call and cancel, they told me I needed to go to the store in person to cancel. 5 mo and countless attempts to cancel–and they still refuse to cancel.

    They also have been charging me–$210 over 5 months when I have had no purchases. This is why they won;t let you cancel the card–they run up bogus fees that they don;t disclose when you open the card. The check out clerk told me a bunch of lies to entice me to get the card–told me I would get 10% off of all future purchases, then she gave me form with her name ans asked me to give her a positive review so she could get a bonus. I suspect the more people they get to open a card, the more money they get–and a reason to lie and be dishonest.

    Home Depot is extremely dishonest, put my account in collections–all due to their fees and not a penny towards a purchase. AT this rate, if I continue to refuse to pay, my account will be in debt for thousands….how is this legal? I’ve made over a dozen calls, talked in depth with store managers and no one can do anything to help….I have to pay a collections agency or else they will continue to ruin my credit rating.

    I would never trust this company, they lied from day one and have deception as a company policy, I’ve been lied to and deceived at every turn, every call….its only about keeping the credit cards active, not cancelling them so they can rack up fees.

  7. I had a similar experience involving a missed payment 2 months ago. I thought I took care of it by phone. I payed my monthly payments for 2 months and then received a phone call that I owed approx $150.00 in late fees. I had just been payed off from my job due to Corona virus, applied for unemployment and cashing in an IRA to pay bills. I was harassed by phone and told it could not wait to be payed on next months bill in 2 weeks. It had to be payed immediately even though I told them I planned to pay off the entire balance when my bank transaction went through, they continued to harass me by phone and email. I plan to pay off the balance in 2 days but had to block their number as they continue to call. It is shocking that they do not care that America are in the middle of a pandemic!!! I checked my statement online and learned I am being charged 28% interest! The website doesn’t let me got back more than one month. I regret getting that card. DON’T DO IT!!!

  8. Been a home depot customer for a lot of years,in there bout 3 times a week,a couple of months ago I’m in the check out lane getting ready to pay with may bcredit card when the cashier stops me and asks me to switch to the home depot card, I say no thanks, she insists,thirty bucks off
    Your purchase,no interst for six months she says. I’ll sign you up right here! Well sounds like a good deal so I went along, my purchase was thirty dollars,she gives me the receipt for the credit application which I could continue to charge other items till the card arrived in the mail. Luckily I never used it again. So the bill arrives a month later and I didn’t think much of it,but I went and paid my thirty bucks about five days late thinking I had six months. Well no! Wasn’t long after the phone calls start up, five ,six calls a day in the evenings,early mornings Saturday or Sunday they
    Keep harassing my thirty dollar bill is one hundred and thirty after they add all their late fees and interest ,and the phone calls keep coming.i don’t know if this is home depot or citibanks
    Way of doing business ,but it really sucks! Don’t sign up for this card and beware of Citibank.
    The government bailed these a holes out with our tax money and now they treat people like shit!

  9. They tell you in the store their credit card it is interest free for a year, they lie!, only purchases over $300 are interest free


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