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The Home Depot Credit Card Compared

The Home Depot credit card, like all store branded credit cards, offers consumers some very enticing benefits. For example, the Home Depot card often advertises specials such as a 0% interest rate and no payments for 6 months. However, there are a number of factors to consider when applying for a credit card. Perhaps the most important factor is the interest rate. And the Home Depot credit card scores quite poorly here.

If you a take a look at the online application for the Home Depot credit card, you may have a hard time finding the interest rate. And, when the card is presented to you at the store, cashiers generally don't attempt to influence your decision by mentioning this essential credit card element. However, the truth of the matter is quite disturbing. Like most other store credit cards, the Home Depot credit card charges an interest rate that is forty to over one hundred percent higher than standard credit cards! And that's for consumers with good credit.

Credit cards issued by most major credit companies presently offer two things the Home Depot card does not: low long term interest rates and 0% interest on purchases and balance transfers for 1 year. For a large purchase that will be paid off over a period of time, the best credit card is a new credit card that offers 0% interest on purchases for 1 year. Why? Let's buy new carpeting for $2000 and figure out the difference.

Many credit cards offer interest rates around 11% and 0% introductory rates for up to 1 year. Using such a card would cost us 0% in interest on our $2000 purchase during the first year, and, assuming we've paid off $100 per month, total interest charges would total about $65. Total cost of the new rugs: around $2065.

The same purchase using a Home Depot card with an average interest rate of 22% and the same payment schedule would cost us $143 during the first year and close to $100 the second year. In other words, about $200 more. This assumes that we do not take advantage of the no payments for six months. Factor that in and we pay an additional $150, bringing our total interest cost to $350. That means our $2000 rugs actually cost $2350!

In this author's estimation, the most important element of a credit card is the interest rate. After all, if purchases are not paid off in full each month, the items we buy end up costing a lot more than they did at checkout. The best credit card for new purchases, especially large ones, should be the one with the lowest interest rate and the best 0% introductory rate. The same holds true if you are stuck with a balance on a high interest store credit card. Simply transfer the balance to a 0% APR balance transfer credit card with a lower interest rate. The savings add up. Quickly!

Home Depot Corporate Office - Tips For Getting Employed There

If you have wanted a job at the Home Depot corporate office, then you probably already wait for openings and available positions. This type of position requires skill and a unique disposition that sets you apart from the crowd. The corporate offices work much differently from the retail locations, and also provide higher income compensation.

Corporate opportunities are usually available to college graduates and those with experience in the retail or home improvement field. It doesn't hurt to have a degree in business administration or a similar area, but a variety of degrees can help you get the job you want. Depending on the position you want, whether it is a main office customer service rep, or a Home Depot expert, your degree is an important factor.

One of the main corporate jobs is at a call center. These individuals provide service to customers to help answer important questions and provide tech support for products. These centers offer more than just phone call operations however. You can get a job as an installation sales man, service positions, and more. If you want something like this, then be prepared to speak with a lot of different people.

Another Home Depot corporate office job is at a distribution center. There are a number of options here that range from general manager to supervisor, engineer, financial analysts, and transportation coordinator. Some of these corporate positions require extensive knowledge. Being an engineer for Home Depot will certainly require an engineering degree. If this is what you want then be prepared with proper education and some experience in your desired field.

Aside from the various corporate positions you should show professionalism and care for the Home Depot customer base. When you go into an interview demonstrate that you have what it takes to work at their company with success and drive. They are going to hire the individual that can provide something different to their corporate offices - not a person that should be working in the basic retail department.

Corporate jobs are higher paying, but when applying you should never directly ask what the pay rate is. This shows you are only interested in earning as much money as possible, and not about the actual job at hand. If compensation rates are important, ask that at a later date or when they reveal that you have been hired. You always have the option to decline the job.

Home Depot Rugs - Find Out How to Purchase the Best Rug

When going out to buy a rug it is essential that you know your requirements. As with shopping for any other thing, it is substantial that the right rug is purchased at the right price without being let down by your choice. To achieve this you must carry out a thorough research of the places that offer exquisite yet affordable rugs. Places to look at are:

The internet offers a lot of options. There are many listed suppliers available to buy rugs from and internet could prove to be a cheap shopping platform. However, it does have a few downsides. Firstly, it would provide with a lot of options and make it harder to choose from, thus taking more time and effort to search for the best pick and secondly, you are not able to physically inspect the fabric to judge its quality.

There are many stores offering rugs that are cheap e.g. Home Depot rugs are known not to cost a lot of money. One other advantage is that you have the option of having the Home Depot rugs delivered to your home. This would be particularly suitable to people who do not have a car spacious enough to transport a rug.

Factory outlet is another place where there is the potential of striking a good deal. A lot of these factories offer cheaper products. Sometimes they perform a complete redo of previously used products and give them a brand new look. However, before making a decision of where to buy the rug from there are a few questions that should be asked:

Where it would be placed at? It could be the kitchen, living room, dining room etc. Once the area has been decided then a colour scheme and design should be used that compliments its surroundings.

What kind of rug? These products come in many forms, types and colours. There are colourful handmade wool rugs. Then there are the Persian rugs that are famous for their exceptional colour schemes and designs. So, you must decide what your requirement is with regards to a rug.

Are you a brand conscious person who is looking to buy a new rug? If 'yes' then click on the following link and choose from a range of Home Depot rugs.