AnthonyBarone

I'm not big on store credit cards but I am in the construction business. Any of you folks know if the Home Depot credit card gives any discounts other than the promo for the first time you use the card? If it gave any on going discounts at least once in a while it may be worth taking a look. But if it doesn't do anything that a normal credit card does there's no point in using it.

My company is starting to put all of our supplies on credit so anything I can use to give it a boost I'd like to hear about.

Mogul of Pineapples

I don't have a Home Depot or Lowes credit card but from what I know they don't give you any kind of special deals just for having the card. I think they offer it solely as another way to finance your purchases and that's it. It's not like with department store credit cards where some will at least give you some special sales and what not.

I don't even think it's worth signing up to get the one time discount if they still offer it. You know if you go down to your Post Office and request a movers kit they usually have a coupon from Home Depot and Lowes for 10% off your entire purchase. Just use that instead of hurting your credit with one of these cards.

If you buy a lot of credit maybe get a credit card that offer higher cash back on normal purchases. Like 1.5% or 2%. That way at least you'd be getting some sort of savings.

__________________
“It takes 20 years to build a reputation and five minutes to ruin it. If you think about that, you'll do things differently.”

-Warren Buffett

Current Cards:
American Express: Blue Cash, Simply Cash
Bank of America: Visa Financial Rewards Platinum Plus
Chase: Rewards Visa, Amazon Visa
Discover: More

Current Everyday Card: American Express Blue Cash

Herman65

My friend got a Home Depot card. He said they sent him a bill saying he made a late payment and jacked his interest rates up big time.

The guy said he always paid on time and never missed a payment. This dirty trick is not uncommon in the credit industry. Then it's your word against theirs. Good luck winning this battle.

Peace,

Herman

magyar1045

Don't forget Home Depot credit cards are processed by/through the biggest crooks - Citibank.

Floppster

Can't he show them his bank statement where it states that they debited the account on Date XX while his payment was due on the XX ?

Floppster

Wow I didn't even know that Citibank are the biggest crooks I thought there where worse banks... I never stop learning