Hey Duncan...
I think Lowe's is better, although I don't have HD....
Lowe's has a deal right now... if you spend $3500, you can get it at 5.99% for 84 months... They also have been very generous with CLIs on my account ( my highest at $12k).... and I barely use it....lol I do use it every month or two for cleaning stuff usually... might spend less than $10 hhaha and PIF....
seems like Citi, backer of HD I think, is a stickler and not as easy to do business with....
Hope this helps!! :-D
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