Woman on TikTok says opening a Home Depot credit card dropped her credit card so low that she no longer qualifies for a mortgage.
The TikToker, Cassidy Rainforest Gard or @cassidygard on the platform, said she typically turns down in-store credit card offers but is convinced to finally do so at a Home Depot in May. Her video, which she dubbed a public service announcement for anyone considering opening a store card, garnered more than 980,000 views on Thursday.
Gard said the Home Depot employee who convinced her to open the card seemed “so nice.” And she was wearing a sticker.
âIt just seemed like it was really special and important to her that I opened a card,â Gard told TikTok. “So I opened the card, then I completely forgot that I had opened a card.”
Gard said that before that she was in the process of buying a house. But four months after opening the card, she found her credit rating had dropped by more than 100 points.
âFor a $ 9 paint bucket, I’m probably not going to get a mortgage on a house now,â Gard said, still in tears. “This is the dumbest thing I have ever done.”
Her advice to other shoppers was simply not to take the risk of opening a credit card in the store, no matter how nice the employee telling you about it is. It will ruin your life, she warned.
Some viewers said The Home Depot was not to blame in this situation and advised Gard to be more careful with his finances. But Gard was more than willing to take the blame.
One viewer wrote: âThe problem is not with getting a credit card but you forgot it. I don’t mean to make fun of you, but it’s the truth. The lady / business was not at fault.
âLooks like you’re forgetting, that’s the problem, not the store,â one user commented. In response, Gard wrote, âYes, I am the problem. This is why this is a public service announcement. So if other people like me have horrible memories, they realize how damaging it can be. ”
Other viewers have taken up Gard’s defense, saying it’s human nature to be forgetful.
âA lot of people in these comments are acting like nothing has ever occurred to them before. A charge of $ 9 could potentially cost him a literal house,â one person said.
Another said: âSo many of these comments fail the ambiance test. First-time homebuyer here and doing everything right is DIFFICULT.
Several other viewers urged Gard to contact Home Depot, citing their own experiences when companies correct bad credit scores caused by their stores’ credit cards.
Neither Home Depot nor Gard immediately responded to the Daily Dot’s request for comment.
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* First published: October 1, 2021, 12:35 a.m. CDT
Cecilia Lenzen is a journalism student at the University of Texas at Arlington and a freelance reporter for the Daily Dot.