The main Home Depot® Credit Card requirements are that an applicant must be at least 18 years old with a valid Social Security number or Individual Taxpayer Identification number. Applicants must also have a physical U.S. address, enough income to make monthly minimum payments, and at least fair credit.
Home Depot® Credit Card Requirements
At least 18 years old
Physical U.S. address (no P.O. boxes)
Proof of enough income to make the monthly minimum payment
Social Security number or ITIN
Fair credit or better
If you apply for the Home Depot® Credit Card, it’s important that you enter all required information completely and accurately. Knowingly reporting false or misleading information on a credit card application is a federal crime.
To apply for a Home Depot® Credit Card, you can fill out an application on the Home Depot website or in any Home Depot store. You will need to provide personal information, such as contact info and your Social Security number. Once you submit your application, you’ll generally get an instant decision, but some applications can take up to 10 business days to be reviewed. Unfortunately, you won’t be able to apply by phone.… read full answer
Scroll down to the credit card you want to apply for. Aside from the Consumer Home Depot® Credit Card, there’s a Project Loan card, and 2 Commercial card options.
Click the “Apply Now” link above the credit card you wish to apply for. This will send you to the credit card application on the Citibank website.
Fill out the Home Depot® Credit Card application.
Review and agree to the credit card terms at the bottom.
Click “Submit Application.”
Wait for the decision page to load to see if your application has been approved.
Applying for a Home Depot® Credit Card in a Home Depot store is a similar process. Simply go to the Customer Service desk or ask a cashier for a credit card application. Once you fill it out, they’ll process it and you should get an instant decision. If they need to further review your application, you will get notified of a decision within 10 business days. The Home Depot® Credit Card requires fair credit or better (a credit score of 640+) for good odds of approval. So if you don’t know where you stand, you can check your credit score for free, right here on Wallethub.
You can always check on the status of your Home Depot® Credit Card application online or by calling (866) 875-5488. When you call, just use the Social Security number option to access your account information.
The regular Home Depot® Credit Card interest rate is 17.99% (V), depending on your creditworthiness. You'll need at least fair credit - a credit score of 640 or higher - for approval. If you have fair credit, you may end up with an APR on the higher end of the range.… read full answer
It's worth mentioning that the Home Depot® Credit Card offers an intro APR of 0% for 6 months on purchases, but it has a catch: It's a "deferred interest" offer rather than a true 0% APR period. That means you'll pay all the interest you'd have paid otherwise if you don't pay off your card before the promotional period ends. So, if you use this card for its promotional APR period, make sure you can pay off the card before the deferred interest kicks in. If you don't, it's a pretty expensive way to finance a purchase.
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