How do I apply for a Home Depot credit card?

A credit score of 640 or higher is needed for a Home Depot card. That’s the case for the Home Depot Credit Card and the two Home Depot business credit cards. All three 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. All Home Depot credit cards are issued by Citibank.

Here is more on the credit score needed for Home Depot cards:

• Credit score requirement: Minimum 640-699 credit score (fair credit).
• 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 any Home Depot card, you will receive a credit limit of at least $500.

Just bear in mind that the credit score needed for a Home Depot card could also get you a number of good credit cards that can be used anywhere. For example, 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.

Home Depot credit card instant approval is a thing, especially for online applications. In rare cases, they issue a decision in 14 days tops.

After your application, you will either receive a new card in the mail or a rejection letter within two weeks of submitting an application.

The Lowe's credit card credit score requirement is 640 or better, which is considered fair credit. The Lowe's card is fairly easy to get, but that doesn't make it a great card. Even if you have a good or excellent credit score, the card will have an APR of 26.99% after the intro APR period, which is pretty high.… read full answer

If you shop at Lowe's a lot or need to finance a big purchase there, however, the Lowe’s credit card is a decent deal. When you sign up for the card and spend at least $299, you can choose from a range of promotional interest periods: 0% to 7.99% for 6 to 84 months. Or, you’ll earn 5% discount on all purchases. Plus, you’ll get a 10% discount on your first purchase.