Home Depot Consumer Credit Card
WALLINGFORD, CONNECTICUT -- I purchased a Cub Cadet tractor from Home Depot 3/24/2013 and they told me it was incorrectly priced for $1399 so I better buy it now because they will be re-pricing it at $1499 when I leave. Then they pushed me for the Home Depot Consumer Credit Card for 12 months of no interest to pay it off. Stupid me did it when I had the money to pay cash. I should have put it on a rewards card instead. So I go on line and the tractor is a new low price of $1399, not $1499 so it was not priced wrong.
The interest rate on the card is ridiculous if you don't pay off the balance and they deferred it for 6 months not 12. Then I had a problem with the tractor and Cub said it was HD's issue & HD said it was Cubs. The air filter cover was loose and was not filtering the dirt out of the intake. The store manager said he would call me back, that was on 5/13 and 10 days later no call back. My 90 day return policy is up in 3 weeks so it's going back and I'm buying the John Deer from Lowes. The HD credit card gives you absolutely no benefits or advantage so don't waste your time or credit rating. Lowe's credit card gives you 5% off which is at least something.
We have a Lowes across the street from Home Depot so the prices are identical. I'm paying off the HD balance over the 6 months just to keep them from getting all the money. Get a Lowes credit card and buy a John Deer from them for 5% discount.