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.
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.
You can apply for a Home Depot® Credit Cardonline or in person at any Home Depot. Whether you apply online or in person, the approval process usually takes place on the spot, and you will receive your card within 10 business days.
After getting approved, you can take the confirmation to your nearest Home Depot store to receive your temporary card information and discounts for Home Depot purchases of $25 or more made within 30 days of opening account opening.
Applicants generally need fair credit, which means a score of at least 620, to get the Home Depot Credit Card. However, having such a credit score doesn't necessarily mean that you will get approved. Credit scores are an imperfect indicator for approval, as issuers typically modify publicly-available scoring models with their own proprietary screening criteria. They also take into account numerous factors that aren't necessarily incorporated into your score, such as your income and outstanding debt.… read full answer
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% - 7.99% for 6 - 84 months. Or, you’ll earn 5% discount on all purchases. Plus, you’ll get a 10% discount on your first purchase.
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