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

What are my Home Depot Credit Card approval odds?

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This question is about the Home Depot® Credit Card

Maria Adams, Credit Cards Moderator

@m_adams • 11/16/21 This answer was first published on 11/16/21. 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 an SSN.

What You Need for Good Home Depot® Credit Card Approval Odds

640+ credit score
Enough income to pay credit card bills
Low debt relative to income
Low housing costs relative to income
U.S. mailing address
Age of 18+

Social Security Number or Individual Taxpayer Identification 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 for any offers on the Citibank website. Pre-qualifying does not guarantee approval, but it does indicate that you have pretty good odds of getting approved for certain cards, and 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.

Answer Question

What credit score is needed for a Home Depot card?

A credit score of 640 or higher is needed for a Home Depot® Credit Card; this means that you need to have a fair credit score to get it. That’s the case for both the Home Depot® Credit Card and the Home Depot® Business Credit Card. Both Home Depot credit cards are store cards, meaning they can be used only at Home Depot. Their 640+ credit score requirement is consistent with that of other store credit cards.… read full answer

Just having the credit score needed for a Home Depot card doesn’t guarantee approval. Other factors taken into account include income, employment status, payment history, debt level and more.

Here are the requirements to get a Home Depot® Credit Card:

Credit score requirement: Minimum 640 credit score (fair credit).

Age requirement: Must be at least 18 years old. If under 21 years old, must have proof of independent income or a co-signer.

Residency requirement: Must be a U.S resident. Address must be a physical location in one of the 50 U.S. states or Washington D.C. No P.O. box addresses will be accepted.

Basic application info: Includes full name, address, phone number, Social Security number and birthdate.

Application financial info: Includes monthly rent or mortgage payment, residence status (own/rent) and total annual net income (annual income after taxes).

If you get approved for the Home Depot® Credit Card, you will receive a credit limit of at least $300. For the Home Depot® Business Credit Card, your credit line will be at least $500.

Just bear in mind that the credit score needed for a Home Depot® Credit Card could also get you a number of good credit cards that can be used anywhere. For example, the Capital One QuicksilverOne offers 1.5% cash back on all purchases, but comes with a $39 annual fee. For business owners, Capital One Spark Classic gives 1% cash back on all purchases and has a $0 annual fee.

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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 by calling customer service at (800) 677-0232. When you call, you’ll need to provide your Social Security Number. You cannot check your status application online.

How to check your Home Depot® Credit Card application:

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.… read full answer

Provide all the information required to confirm your identity (full name, SNN, phone number).

The customer service representative will tell you if your application is pending, approved, or denied.

Typically, you’ll receive a decision on your application within 7-10 business days. If you haven’t heard back within a reasonable time frame, you can always call customer service to ask about the delay.

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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. 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.

What you should know about the Home Depot® Credit Card credit limit:

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

The issuer will also evaluate your account periodically to determine whether you are eligible for a credit limit increase. For a better chance at receiving an automatic credit limit increase, make sure to always pay on time and to keep your credit utilization low.

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