WalletHub, Financial Company
@WalletHub
Yes, the Home Depot® Credit Card may offer instant approval if you apply in the store and you clearly meet the eligibility requirements. The Home Depot® Credit Card requires at least fair credit for approval. If you don’t know where you stand, you can check your credit score for free on WalletHub.
Home Depot® Credit Card Requirements
- Basic application info: You will have to provide personal information, including your full name, phone number, Social Security number, and birthdate.
- Age requirement: Must be at least 18 years old. If you're under 21 years old, you must prove you are independent or provide a co-signer.
- Residency: You must be a U.S. resident with a physical address in one of the 50 U.S. states or Washington D.C. Note that P.O. Box addresses are not accepted.
- Credit requirement: At least fair credit (640+ credit score recommended).
- Financial info: Including monthly rent or mortgage, residence status (own/rent), and annual net income (income after taxes).
If you apply for the Home Depot® Credit Card online, it usually takes between 7 to 10 business days to get approved. If you get approved, you will typically receive your new Home Depot® Credit Card in the mail within two weeks.
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Joseph W Bronson Jr., Member
@rosemary_ab
If you did not, call the credit analyst and recon it. Ask for more!
People also ask
What bank issues the Home Depot Credit Card?
The Home Depot® Credit Card is issued by Citibank. Aside from the Home Depot® Credit Card, other Citibank credit cards include the Costco Anywhere Visa® Card by Citi, Best Buy® Credit Card, and Citi Double Cash® Card.
The Home Depot® Credit Card is intended for applicants with fair credit. Its key features are up to $100 off your first purchase and an introductory purchase APR of 0% for 12 - 24 months (29.99% after that). The annual fee is $0.
If you want to learn more about the Home Depot® Credit Card, you can read WalletHub's full editorial review.
read full answer by Chip Lupo, Credit Card WriterDoes the Home Depot Credit Card do a hard pull?
Yes, the Home Depot Credit Card does a hard pull credit check. 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...
read full answer by pinkstar, MemberDid we answer your question?
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