HomeDepot.com/MyCard in 2025 – What I Learned After Using It
🔹 Introduction As someone who’s been managing home improvement and client purchases for over two years, I’ve used the Home Depot Credit Card regularly — both as a homeowner and now as a Pro user. With the updates and market shifts in 2025, there’s a lot changing around HomeDepot.com/MyCard — some for the better, and some that raise concerns. In this blog, I’m sharing my first-hand experience , observations from other real users, and honest pros and cons. 1. High Interest Rates That Can Catch You Off-Guard I learned the hard way in early 2024 — I missed a payment by 3 days, and boom — 33.99% interest hit my balance like a truck. The standard APR in 2025 now ranges from 29.99% to 35.99% , and many Reddit users are voicing the same frustration. My Take: If you pay in full each month , the card works fine. But if you’re even a few days late, the charges build up fast. 2. New Pro Xtra Cards Are Actually Useful (If You’re a Contractor) In Jan 2025, I applied for...