I contacted Citibank regarding my Home Depot Credit Card. We have been using the credit line heavily during the renovation of our home. I noticed that the interest rate on the card was at 25.99 %, and the amount of interest I have been charged as of my XXXX, 2015 statement was over {$3000.00}!! I almost died! My Dad has a Home Depot credit card and his interest rate is only 17.99 %. I have always made payments on time to the account and do n't understand why the rate that I am being charged is so high. I called Customer Service to ask if my account could be reviewed and if my interest rate could be lowered. The agent told me that a lower rate was " not available ''. I mentioned the lower rate on my Dad 's Home Depot account and said it was a whole 8 % less than the rate on my account, so how can that be possible? She said that this is how the account was opened and there is nothing she could do about it. I had the account set to auto-pay the minimum amount every statement, but realized that the amount of interest being billed was the same or more - for example, on my last statement the minimum payment due was {$510.00}, but the interest charged was {$510.00}, so at this rate I would never be able to actually pay down any principle and would be just paying interest unless I increase the payment amount to actually try and reduce the outstanding balance. With the interest rate as high as it is, it is very difficult and I am a victim of being stuck paying interest through my nose!! Since the interest amount is eating up ALL of my monthly payment, I do n't know how I am going to catch up and actually reduce the balance on this card which is around {$19000.00} at the moment. I feel like this is price gouging and very unfair! 
