Citibank credit card ( Home Depot) is, without a doubt, the most incompetent bunch of buffoons to ever run a business!!! 10 months and multiple calls and problems after spending over 20 grand on their card and I still can't get an online order through without it being cancelled a week after ordering material.....835 credit rating and never missed a payment! 20 years with a Lowes credit card and not once a problem. read more