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Returns and refund policies should be carefully reviewed and understood. In 2 different occasions we had issues with undelivered items and the charges set in our credit card to replace the undelivered item (order).Home Depot will hold your money for the undelivered order till they clear the investigation and vendor response related to your order.They will charge you again for the second or replacement order if you want the item.Bottomline your money can be held from 30 to 60 days depending on the situation. The concern here is about modus operandi, Home Depot is literally working with people's money, if you look at the aggregate we may have millions of dollars held by home depot from customers, just do the numbers an estimate an average purchase value on line and see how this may end up. No interest are funded back to you, meaning this that if you were late with your credit card payment due to the delay in the refund, you pay for that. My 2 purchase online were for USD 800 (became USD 1600 hold for 45 days approx) and USD 321 that bacame into USD 500 plus. If you have experience the same , please let me know if there has been an expedited refund in your credit card. PS. If I borrow money from Home Depot, i could imagine that the minimum interest charge should be in the order of 8-12 % corporate capital charge, may be wrong with this , any feedback is greatly appreciated