What are my Home Depot Credit Card approval odds? This question is about the Home Depot® Credit Card

Your Home Depot® Credit Card approval odds are good if you have a credit score of 640+, which is considered fair credit. Approval odds for the Home Depot® Credit Card will also be influenced by your annual income and existing debts. In addition, every applicant will need to be 18+ years old with a U.S. mailing address and a Social Security Number. Factors that Influence Your Home Depot® Credit Card Approval Odds 640+ credit score (at least fair credit) Enough income to pay your credit card bills Low debt relative to income Low housing costs relative to income U.S. mailing address Age of 18+ Social Security Number Keep in mind that many of these are guidelines rather than requirements. For example, you may have a low annual income with no debts and still get approved. To get a better sense of your approval odds before applying for a Home Depot® Credit Card, you can check to see if you're pre-qualified online. Pre-qualifying does not guarantee approval, but it does indicate that you have pretty good odds of getting the Home Depot® Credit Card. Plus, it won't affect your credit score. If you want to enhance your application by improving your credit score, WalletHub's free credit analysis can tell you what steps to take.

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What are my Home Depot Credit Card approval odds?

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This question is about the Home Depot® Credit Card

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Maria Adams, Credit Cards Moderator

@m_adams • 03/10/23 This answer was first published on 11/16/21 and it was last updated on 03/10/23.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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Your Home Depot® Credit Card approval odds are good if you have a credit score of 640+, which is considered fair credit. Approval odds for the Home Depot® Credit Card will also be influenced by your annual income and existing debts. In addition, every applicant will need to be 18+ years old with a U.S. mailing address and a Social Security Number.

Factors that Influence Your Home Depot® Credit Card Approval Odds

640+ credit score (at least fair credit)
Enough income to pay your credit card bills
Low debt relative to income
Low housing costs relative to income
U.S. mailing address
Age of 18+
Social Security Number

Keep in mind that many of these are guidelines rather than requirements. For example, you may have a low annual income with no debts and still get approved. To get a better sense of your approval odds before applying for a Home Depot® Credit Card, you can check to see if you're pre-qualified online. Pre-qualifying does not guarantee approval, but it does indicate that you have pretty good odds of getting the Home Depot® Credit Card. Plus, it won't affect your credit score.

If you want to enhance your application by improving your credit score, WalletHub's free credit analysis can tell you what steps to take.

What credit score do you need for the Home Depot Credit Card?

You need a credit score of 640 or higher for a Home Depot® Credit Card, which means you need fair credit or better for approval. The issuer will also consider your income, employment status, payment history, and debt level, among other factors.

Home Depot® Credit Card Approval Requirements:

Credit score requirement: A credit score of 640+ (fair credit).
Age requirement: Must be at least 18 years old. If you’re under 21 years old, you must have proof...

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How do I check my Home Depot Credit Card application status?

You can check your Home Depot® Credit Card application status over the phone at (800) 677-0232. When you call, you’ll need to provide your Social Security Number. At the moment, there is no way to check your application status online.

How to check your Home Depot® Credit Card application status:

Call (800) 677-0232.
Choose the Social Security option and follow the automated prompts to connect with a representative. Then, tell them you’d like to check your Home Depot® Credit Card application status....

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What's the starting Home Depot Credit Card credit limit?

The starting Home Depot® Credit Card credit limit is $300 or more. More specifically, everyone who gets approved for the Home Depot® Credit Card is guaranteed a credit limit of at least $300. Plus, particularly creditworthy applicants could get limits a lot higher than that.

Home Depot® Credit Card Credit Limit Details

The Home Depot® Credit Card credit limit that you start with isn’t necessarily your credit line forever. You can ask to get a credit limit increase by calling (800) 677-0232. But it’s best not to ask...

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