How do I apply for a Home Depot credit card?

Question

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. All Home Depot credit cards are issued by Citibank.

Here are the requirements to get a Home Depot card:

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 $300.

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, the Capital One QuicksilverOne Cash Rewards Credit Card offers 1.5% cash back on all purchases, but comes with a $39 annual fee. For business owners, Capital One® Spark® Classic for Business gives 1% cash back on all purchases and has a $0 annual fee.

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Answer 1 · 2020-06-16 03:25:07

WalletHub, Financial Company

@WalletHub 06/16/20 This answer was first published on 06/16/20. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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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.

How to apply for a Home Depot credit card:

Go to the “Credit Center” section of the Home Depot website.
Scroll down to the credit card you want to apply for. There’s a Consumer card, 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 your application doesn’t result in an instant decision, you can check on the status of your application online or by calling 886-875-5488. When you call, just use the Social Security number option to access your account information.

Answer 2 · 2020-06-16 03:24:08

Leon Denerus, Car Guy

@Leo.DC 06/16/20 This answer was first published on 09/25/18 and it was last updated on 06/16/20.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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You can apply for a Home Depot credit card online 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 a $25 coupon to use for a Home Depot purchase of $25 or more. The coupon is good for 30 days.

Answer 3 · 2021-01-04 00:44:21

Ella mae, Member

@ekidd2828 01/04/21 This answer was first published on 01/04/21. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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Is it hard to get a home depot credit card

How do I apply for a Home Depot credit card?

WalletHub, Financial Company

Home Depot® Credit Card

Leon Denerus, Car Guy

Ella mae, Member

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