Does the Home Depot Credit Card do a hard pull?

This question is about the Home Depot® Credit Card

pinkstar, Member

@pinkstar • 06/25/20 This answer was first published on 12/17/18 and it was last updated on 06/25/20.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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Yes, the Home Depot Credit Card will do a hard pull. You will need a credit score of at least 640 to get it, which is on par with what most store cards require.

There is no way to pre-qualify for the Home Depot Credit Card. A hard pull usually causes an applicant's credit score to drop by 5-10 points. Most people’s scores bounce back within 3-6 months with responsible credit management, but it can take up to 12 months. You can learn more about how to minimize the credit score damage here.

Home Depot® Credit Card

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