Be sure to pay that HD credit card off COMPLETELY before the due date on the "interest free" portion is up. We were using a HD card when building our house, and any payments we made they applied to everything BUT the oldest interest free purchase. Wound up getting hit with $2900 in "interest fees" after six months (despite having paid off the original amount several times in the process). We never use that card now (actually, need to talk to the wife about cancelling it).