Today, I recently had an unsettling experience with Home Depot Credit Services that I feel compelled to share. Despite diligently making payments throughout the past year, I was shocked to discover that these payments had yet to be allocated towards my promotional items. Here's a breakdown of my grievances: After my review and phone call with Credit Services Management, here is what I gathered, and in my opinion, is the prioritization of the bottom line deception to consumers. Payment Allocation: According to management personnel, all payments are directed towards higher-interest items first. This means that even though I made regular payments, none of it went towards my promotional items from what was reviewed. Manual Allocation Requirement: Adding insult to injury, I learned from this management person that customers must manually specify where their payments should go during each billing cycle. This lack of automatic allocation is burdensome and easily overlooked. Logging into the portal, I saw no visible option to make such a selection. Expired Promotional Items: As a result of this payment allocation system, my promotional items are expiring in 3 days without being paid off. Despite my frustration, Home Depot Credit Services refused to extend the expiration dates, suggesting that I have to wait until the promotion expires, which is a ploy to capitalize on higher fees in my opinion. False Promises: Management suggested I could call in after expiration to " see if they can potentially extend the promotional period". However, this backtracks on their initial stance only adds to the confusion and frustration. Fine Print Confusion: While management argued that this information was clearly stated in the fine print of the application, it's unreasonable to expect customers to remember such details months later. This lack of openness only serves to benefit the company at the cost of its customers. Final Decision: Feeling deceived and manipulated, I promptly closed my account. This experience has left me deeply disappointed and disillusioned with Home Depot Credit Services. To me, their practices prioritize profit over customer satisfaction. In conclusion, Home Depot is effectively exploiting customers' lack of awareness and comprehension of its policies through its credit services. This deceitful approach erodes trust and tarnishes the company's reputation. I think about all the older people to whom sales representatives sell these promotions. I urge others to exercise caution when engaging with their credit services, as they prioritize their bottom line at the expense of customer trust and satisfaction. Signed, one disappointed human!