PINELLAS COUNTY, Fla. — Gulfport resident Francine Giannotti states she invested 2020 pressured out but not so much over the pandemic. She blames a coronavirus-period kitchen area transform that dragged out most of the year.

Giannotti signed a agreement with Property Depot to improve her kitchen flooring, counter tops and cabinets.

“I required to have the kitchen transformed for a prolonged time,” she explained.

Giannotti chose Dwelling Depot for the $15,000 task mainly because of its great name and its zero-per cent financing for six months.

In January 2020, she place the overall obtain on a new Home Depot credit score card.

Then COVID strike, creating delays in receiving the provides needed for her position.

“It was easy to understand that there was a hold off in delivery,” Giannotti instructed ABC Action News. But since of the delays and some workmanship troubles, the work wasn’t accomplished till November.

She requested Household Depot to extend the zero p.c fascination rate. As a courtesy, the household improvement shop agreed to do that. And Giannotti acquired an e mail, stating in portion: “I sincerely apologize for the worry we have added…I will be confirming…that the curiosity was modified to % for 24 months, and all desire fees on the account have been reversed.”

But Giannotti mentioned the enterprise never built great on that supply, so she made a “Contact for Action.”

We questioned Home Depot about Giannotti’s account, and a several weeks later, the two sides reached a private settlement.

A Household Depot spokesperson instructed ABC Motion Information in an e-mail: “We try to give our customers a great experience and value the chance to operate with Miss Giannotti to make this right.”

When this story ended happily, experts suggest averting financing non-important products these kinds of as dwelling updates or new furnishings.

Bankrate’s Chief Fiscal Analyst Greg McBride claims it is significant to recall these extended-expression financial loans can injury your bottom line.

“It may possibly entice you into shopping for anything you were not really intending on buying, or it could result in you to chunk off far more than you can chew,” McBride claimed.

And if you really don’t pay out off the equilibrium all through that lower or no-curiosity time body, the fascination rate could skyrocket, he stated, which will cause your regular monthly payment to maximize.