This complaint is regarding Home Depot Credit Services who has billed me {$1900.00} in interest charges on a 24 month no interest promotion. In those 24 months, I made payments in the amount of {$4800.00} of which only {$190.00} was applied by Home Depot Credit Services to the promotional balance. When I inquired, they said it was my fault for not calling monthly to tell them where to apply my payments whereas my payment should have been applied to the promotion first ( which does n't account for the {$190.00} credit that I never called them about either ). I would like to know if I have any worthwhile case against Home Depot to remove this interest fee based on my making above-the-minimum-payment each month as was required of me. Home Depot presses that it is my fault for not calling them monthly and for not reading my statement each month, which in the years XX/XX/XXXX-XX/XX/XXXX Home Depot is well aware that online banking exists rampantly and the consumer should feel safe in making regular payments through his bank without reading the " fine lines '' of every billing statement. They count on this for their bottom line as opposed to any concern for the consumer. If even just the payment amount over the minumum payment is applied to the promotional balance, in the last 12 months ( not 24, which the promotional period is for, but for which I do not have statements currently ), then I have paid {$1300.00}, with ( 1 ) shows only one of the two years of payments in the period ; ( 2 ) shows my intent at purposely paying more than the minimum to ensure against incurring an interest fee on the promotion and ( 3 ) ; still begs the question how only {$190.00} was applied to the promotion. While I do n't have the remaining statements showing what I paid above the minimum payment, I have made the request for the archived statements through Home Depot to prove that I should not have incurred the interest on the promotion, based on my having paid Home Depot approximately {$1500.00} more over the past 24 months than the initial promotional balance. 
