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A woman has revealed how opening a store credit card at Home Depot ruined her credit and jeopardized her chances of buying a home after she forgot about a $9 paint charge. 

Television producer Cassidy Gard, 31, from Los Angeles, California, shared a tearful public service announcement about the dangers of store credit cards in a viral TikTok video that has been viewed more than 5.

1 million times. 

Gard, whose handle is @cassidygard, explained that she usually says no when store employees ask her if she wants to open a credit card, but she made an impulsive decision to sign up for one in May because 'the lady at Home Depot was so nice.'

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Candid: Cassidy Gard, 31, from Los Angeles, California, shared a tearful public service announcement about the dangers of store credit cards in a viral TikTok video

Big mistake: The television producer explained that she impulsively agreed to sign up for a Home Depot credit card in May because the employee was 'so nice'

'It just seemed like it was really special and important to her that I open a card,' she said. 'So I opened the card, and then I forgot. I just totally forgot that I opened a card.'

Gard was in the process of buying a house when she realized four months later that her credit score 'plummeted over 100 points.' 

'For a $9 can of paint, I am now probably not going to get a mortgage on a house,' she said through tears. 'This is the dumbest thing I’ve ever done. 

'Just don't open credit cards at stores,' she added. 'It will ruin your life.' 

The candid video received nearly 17,000 comments, some of which were more sympathetic than others. 

More than a few people pointed out it was her fault for missing the payment and questioned how she would handle the responsibility of owning a home. 

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Share this article Share @cassidygard #Storytime¿might be losing dream house over $9 @homedepot paint ¿¿ #help #homedepot @selffinancial #creditcard #finance #creditscore #fyp #mortgage ¿ FEEL THE GROOVE - Queens Road, Fabian Graetz

Oh no: She admitted that she forgot about the card until four months later, when she was in the process of buying a home

Hard lesson: Gard said her credit score 'plummeted over 100 points,' which will likely prevent her from getting a mortgage

'Opening the card isn't the problem. Not paying your bill is the problem,' one person wrote, while another added: 'Seems like you forgetting is the problem not the store.'

Others were more empathetic and encouraged her to reach out to Home Depot, agreeing that everyone forgets something at one time or another. Some even shared their own store credit card horror stories. 

'Lotta people in these comments acting like nothing has ever slipped their minds before.' one TikToker pointed out. 'A $9 charge could potentially cost her a literal home.'

'I think it's time we unite and force retail stores to stop harassing employees/consumers to apply for credit cards,' someone else shared. 

Gard responded to some of the comments, explaining she was traveling over the summer and missed the bill. She stressed that she takes full responsibility for what happened and knows it is her 'fault.'   

'Yes, I am the problem,' she wrote. 'That is why this is a PSA. So if other people like me have a horrendous memory, they realize how damaging this can be.'

Disaster: Before Gard was alerted to her ruined credit store, she made a non-refundable down payment on a home. Now, she might not even qualify to buy the property

Owning it: In the comments of her post, she stressed that she takes full responsibility for what happened and knows it is her 'fault'

Just say no: 'Just don't open credit cards at stores,' Gard said. 'It will ruin your life.'

In an interview with BuzzFeed News, Gard pointed out that the Home Depot employee actually used different language when she asked her to sign up, calling it a 'rewards card' instead of a 'credit card.'  

'I don’t even think I was totally aware that I was applying for a new line of credit,' she admitted. 'All I knew was that I was getting a discount on my current purchase for the can of paint.'

She recalled being 'in a hurry and frazzled' when she started the sign-up process for the card, which later resulted in her initial charge becoming delinquent. 

Gard said she reached out to Citibank, the company that handles the Home Depot credit cards, for help without success. 

According to the producer, the company initially agreed to make a one-time goodwill adjustment to help her fix her credit score, but when she followed up with the head of financial services with Home Depot, she learned they wouldn't be making the adjustment after all. 

Before Gard was alerted to her ruined credit store, she made a non-refundable down payment on a home. Now, she might not even qualify to buy the property.  

'Even if I do finally qualify for this mortgage, my mortgage rate will be 3 percent to 5 percent higher than it would have been based on my credit score before this mistake happened,' she said. 'The mistake vs. the consequence was not proportional.'

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  • TikTok Woman Advises Against Store Credit Cards

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Tags: topics index ’just don’t ’t open credit don’t open she said ’just don four months later from los angeles she forgot buying a home in may because the home depot to sign up is the problem at home depot she admitted the comments she admitted that i open the company pointed out

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United Nations Film Fest 2021: Catch these 5 compelling documentaries

In its 24th year, the United Nations Association Film Festival is returning to Bay Area screens with another enriching lineup that spotlights human-rights issues around the globe.

This year’s offerings cover a range of topics — from the turmoil in Afghanistan to others taking place on our home turf. The 60-film program will screen in multiple locations around Palo Alto, including at Stanford University. There will also be one night of screenings (Oct. 27) in San Francisco at the Roxie Theater.

The festival, running through Oct. 31, features four world premieres (“A Community Under Fire,” “A Fistful of Rubbish,” “Grounded” and “Strike With the Beat”) along with 20 national debuts. Of the titles, 64 percent are directed by female filmmakers with 60 percent by filmmakers of color.

The full schedule is here. Most single screenings are $12. A festival pass is $220.

Here are a few titles to put on your must-watch list.

“For the Left Hand”: Gordon Quinn and Leslie Simmer’s uplifting film focuses on the inspiring life of Chicago pianist/teacher Norman Malone, whose mentally unstable father attacked him with a hammer when he was 10. The attack left Malone paralyzed on his right side, but it didn’t stop him from pursuing a childhood dream of playing the piano and teaching others to do it. “For the Left Hand” celebrates overcoming adversity no matter the obstacles thrown in your way. You’ll be happy to meet Malone, who became a celebrity after a newspaper article about him came out.

Details: 6 p.m. Oct. 23; Mitchell Park Community Center.

“Zero Gravity”: Already popular on the Bay Area film festival circuit and beyond — for good reason — Thomas Verrette’s film orbits the Campbell Middle School’s Zero Robotics after-school program and the South Bay students who participate in it. Verrette and crew tag along with teacher Tanner Marcoida and students Adrien Engelder, Advik Gonugunta and Carol Gonzalez, peering both into their home lives and their pursuit to team up to perfect the winning coding program for satellites.

Details: 1 p.m. Oct. 24 (free); Mitchell Park Community Center

“Los Hermanos (The Brothers)”: If you’re a music lover, you won’t want to miss Marcia Jarmel and Ken Schneider’s lovely portrait of two siblings — Aldo López-Gavilán living in Cuba and Ilmar Gavilán living in America — and their poignant collaboration on the stage and in recording studios. The brothers do indeed make sweet music together, and Jamel and Schneider have also made a sweetheart of a documentary. Details: 7 p.m. Oct. 27; Roxie Theatre. The Gavilán brothers perform live in Berkeley Jan. 23 as part of the Cal Performances season; more information is at

“Oleg”: One of the most intriguing features on the UNAFF lineup is brings to light the story of Oleg Vidov, the Russian-born actor who led a breathtaking, thriller-like life. He achieved fame and acclaim in his 20s, but he also caught the interest of higher-ups in Russia and not in the best way. He defected to the West after receiving death threats, but his story grows even more interesting as he ventures into Hollywood. “Oleg” is based on the soon-to-be-published autobiography of the actor, who died in 2017.

Details: 7:40 p.m. Oct. 16, Mitchell Park Community Center.

“The Seed”: If you missed it when it screened in September as part of the San Francisco Independent Short Film Festival, here’s another chance to see the powerful, moving 18-minute doc. It takes an intimate look into how San Francisco florist Guy Clark found himself being outpriced in a city that once embraced residents who weren’t pulling down six-figure salaries. Hélène Goupil’s documentary might be short, but it tells a big story, one that affects so many and resonates not just in the Bay Area but also in major metropolitan areas around the United States.

Details: 1 p.m. Oct. 31; Mitchell Park Community Center

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