The Home Depot Credit Card is issued by Citibank. It's one of their most popular sore credit cards. Their customer serrvice is pretty good too.
Citibank has cards for people of all credit levels, and they feature a selection of very attractive terms. You need a fair credit score for a Home Depot Credit Card in most cases. So you’ll have a shot with a credit score of 640+, and your odds will be good with 700+.… read full answer
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:
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.
The easiest way you can make a Home Depot® Credit Card payment is either online, or over the phone at (866) 875-5488. Alternatively, you can pay your Home Depot® Credit Card bill through the mobile app, by mail, or at a branch. The issuer does allow cardholders to set up automatic payments, too. Keep in mind that you cannot make a Home Depot® Credit Card payment in-store.… read full answer
Ways to Make a Home Depot® Credit Card Payment
Online:Sign in to your online account and click the “Make a Payment” button. From there, you’ll see your payment options and can enter the amount you want to pay, along with your bank account information if you haven’t previously stored it.
Phone: To make a Home Depot® Credit Card payment over the phone, call the number on the back of your card or the main customer service line, at (866) 875-5488. You should call between 6 a.m. and 1 a.m. EST from Monday to Saturday or between 7 a.m. and 12 a.m. EST on Sundays.
Mobile app: Use the issuer’s mobile app for iOS and Android and select your card, then tap “Make a Payment.”
At a branch: You can make a payment at any Citibank (the issuer) branch during normal business hours.
Mail: If you want to pay your Home Depot® Credit Card bill by mail, send a personal check with your account number on the memo line to the card's payment address:
The Home Depot® Consumer Credit Card Payments Home Depot Credit Services P.O. Box 9001010 Louisville, KY 40290-1010
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