How do I apply for the Lowe's 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 · 2020-12-15 05:19:49

WalletHub, Financial Company

@WalletHub 12/15/20 This answer was first published on 12/28/15 and it was last updated on 12/15/20.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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The easiest way to apply for the Lowe's Store Card is by filling out an application online. Click “Apply Now,” then start by filling in the last 4 digits of your Social Security number and your phone number. Follow the instructions to complete your application. You’ll also have to provide more personal information, including your address, full SSN, and salary.

Alternately, you can apply for the Lowe's Store Card in person at any Lowe’s location. Ask your cashier about filling out an application, or go to the customer service desk. If you’re approved the same day, you’ll be able to use the card for your purchases. New cardholders are usually eligible for a discount on their first purchase, regardless of whether they’re approved the same day they apply.

If you have applied for the Lowe's Store Card but haven’t yet received a decision, you can check the status of your application by calling (800) 445-6937 and choosing the “Lowe's Store Card” option.

Answer 2 · 2020-05-05 07:26:13

Alyssa Robins, Member

@alyssarobins 05/05/20 This answer was first published on 03/09/18 and it was last updated on 05/05/20.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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It's usually better to apply online, simply because you might get approved instantly. After you get approved, you can then take the card and get 20% off your first purchase, up to $100 off. It’s a pretty good deal, especially if you had been planning on making a big Lowe’s purchase.

How do I apply for the Lowe's Credit Card?

WalletHub, Financial Company

Alyssa Robins, Member

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