I got a Home Depot credit card only because I could get a discount on the initial purchase. For that purchaxe, I paid $44.75, and planned to pay it off entirely and close the account as soon as the first bill arrived. That first bill was over $400, as someone had fraudelently used my card. So, I contacted customer service and filed a dispute and closed the account. I paid my $44.75 and was told that the rest of it would surely be resolved. A month later, I get a bill for $71 that includes a $14 late payment fee. Of course, I call again and waste much time on the phone, only to be told that the department that handles this problem is closed, and I'll need to call back (and, undoubtedly, waste a lot more time) tomorrow. In addition to their terrible customer service, they obviously have no way to detect fraud. I've been a victim of identity theft more than once (including having a fraudelent federal tax return filed in my name). There has also been fraudelent activity on a few of my credit cards in the past. But, recently all other credit cards I've had have become very good at detecting such activity. That's certainly not the case with the HD credit card. Again, avoid this card like the plague!