How can I do a Home Depot Store Credit Card balance check?

You can check your credit card balance online, via mobile app, or by phone. The easiest ways to check your credit card balance are online and through the credit card company’s mobile app. Either of these methods will let you see the most up-to-date credit card balance when you check. Most major card issuers have mobile apps, which makes checking your balance a matter of pulling out your phone.… read full answer

To check your credit card balance online, simply open a web browser and go to the card issuer's website. It should be listed on the back of your credit card. Sign in with your account information, or set up online access to your account (most bank websites have a login or signup box on the landing page). Once you log in, you’ll be able to check your current balance, see your most recent statements, make payments, schedule future payments, and more.

Checking your balance with an app is similar to checking it online, and it’s just as easy. Just search the card issuer’s name in your phone’s app store and download the official app. Most official card issuer apps are free. After it’s downloaded, log in with your credentials. You should be able to do most things on the app that you can do on the issuer’s website, but banking app features vary from issuer to issuer.

To check your credit card balance over the phone, call the customer service number on the back of your credit card. You’ll likely be asked to enter your card number and/or other personal information to verify your identity. Most card issuer customer service lines have an automated system for checking balances, so listen to the options menu and follow the prompts to check your latest balance.

It’s good practice to check your credit card balance regularly. Doing so can help you spot fraudulent charges and mistakes on your account. It’s also good to keep track of your balance to make sure you aren’t using too much of your available credit. Having a high credit utilization can hurt your credit score, which can hurt your chances of getting a credit card in the future.

There are no laws stating that you must show ID when using your Home Depot Credit Card, but merchants may require some form of identification for security purposes if your card is not signed on the back.

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A store card has limited use compared to a regular credit card. Store cards can only be used for purchases from a specific store or group of stores. Regular credit cards can be used at any merchant that accepts cards from their network – American Express, Discover, Mastercard or Visa. Many stores also offer cards that are … read full answerco-branded with a major credit card network. These cards work the same way as a regular credit card but have some store-specific benefits.

Regular credit cards and co-branded cards tend to have stricter requirements for approval than store credit cards. Most store cards require only fair credit (640-649 credit score) to be approved, whereas co-branded cards generally require good credit (700-749). Other non-store credit cards are available to people with all kinds of credit, from bad to excellent.

Those are the most obvious differences between a store card and a credit card. But there are others. For example, store cards have higher regular APRs than general-purpose credit cards, on average. If you carry a balance, the store card’s higher APR may cancel out any discounts or rewards earned on store purchases.

In addition, store cards with “0% intro APRs” typically use deferred interest. This means if you don’t pay the entire balance before the introductory period ends, you’ll be charged interest all the way back to the original purchase balance. Regular credit cards with 0% APRs only charge interest on any unpaid balance remaining after the promotion ends.

Ultimately, the differences between store cards and credit cards favor credit cards, and for good reason. Store cards can help people with fair credit improve their score, while helping anyone eligible for approval save money on purchases at popular stores. But their use is limited. Traditional credit cards are better if you plan to use the card for everyday spending. You’ll reap a lot more value because you can use the card at far more places. The same is true for co-branded cards affiliated with a particular store, though their rewards for purchases unrelated to that store usually are not as good.