Ernie is dead on about the single company issuers; but he misses a major point. The
intended action of the 'reform' was to alleviate abuse of those who struggled and needed the credit (a dubious point); now
everybody with a card is being hosed. Well, I guess it did level the playing field!
As for HD, I am a customer and got the same deal. What is good is that they offer 6 or 12 months same as cash and my balances never last that long so I am in effect paying zero percent interest all the time. No way I pay 29% for anything...ever. Better to go without than pay loan shark rates!