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Your credit score should ultimately be a big determinant of whether it makes sense to apply for this card. After all, you can likely do a lot better in terms of either rewards or financing with a different card if you have good or excellent credit. Typically, you’ll receive a decision on your application within 7-10 business days. If you haven’t heard back within a reasonable time frame, you can always call customer service to ask about the delay. Although you can look at your credit report and credit score to gauge your chances of being approved before applying, there’s an easier way. You can use the Home Depot’s pre-qualification tool to see if you’re pre-qualified for the Home Depot consumer credit card.
Go to the customer service desk or ask a cashier for an 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 7-10 business days. After confirming your identity, your application status will get shown on the site. Additionally, the Company allows their customer to check the credit card application status using their birth date.
Income Sources
The issuer will be more likely to increase your credit limit if the revised income clearly shows that you can afford a higher limit. Therefore, you’ll see a soft credit check when you apply first with prequalification. However, you can also check the credit card status of your phone number. If you are not using the App, visit the website and find your application in the credit card section.
If you’re considering a big home renovation project, a credit card may not be your best resource, or can be a tool to use in tandem with other methods. Even if you use a credit card for the financing perks or rewards, it’s smart to have money saved that you can put toward your project before any interest charges kick in. The Home Depot Consumer Credit Card, issued by Citi, charges no interest for the first six months on purchases of $299 or more. During special promotional periods, you may qualify for up to 24 months of no interest on certain larger purchases. Said I needed to call number and give them reference number and code 26.
Regular APR Won’t Do You Any Favors
The cards have similar perks, making it hard to choose a card if you don't prefer one store over the other. Fill out the application form by availing your full name, phone number, email address, street address, financial information, Social Security number, and birth date. © 2022 NextAdvisor, LLC A Red Ventures Company All Rights Reserved. Use of this site constitutes acceptance of our Terms of Use, Privacy Policy and California Do Not Sell My Personal Information. NextAdvisor may receive compensation for some links to products and services on this website.
You can download the Citi App, where you need to fill in the date of birth that you provided in the application form. Otherwise, you won’t receive ongoing rewards from Home Depot. The main benefit of this card is special financing on purchases of $299 or more, ideal if you’re buying an appliance, or need to stock up on supplies for your project. May offer an automatic credit limit increase if the issuer's regular review of your account shows a history of on-time payments and low debt. An automatic credit limit increase involves a soft pull, which does not affect your credit score. Once you fill it out, they'll process it and you should get an instant decision.
What Is The Process For The Online Application For Home Depot Credit Card?
Click the orange Apply Now button to access the credit card application. You must have a Home Depot Bank credit card account to sign up. If you have not yet created an account, please follow the instructions at the bottom of this page. The alerting service allows you to request and receive messages about your credit card account. WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution.
There’s a bit less risk with this card than the Home Depot Consumer Credit Card too. The Home Depot Consumer Credit Card doesn’t offer any ongoing rewards, but you will get a few added benefits. You can make returns up to one year after your purchase, which is four times longer than the normal Home Depot returns window. Now discover a whole new online account, built to give you more control over your card and your time. Use something readily identifiable, such as your name, birthday, spouse or child's name, Social Security Number, phone number or street address.
U.S. Bank Visa® Platinum Card
You may need to provide further details like current loan amounts, debt-to-income ratio, etc. Retail and business applicants for a Home Depot credit card will need to provide identification and income information with applications. To apply for the Home Depot® Credit Card, you must have a FICO® Score of at least 600, and a score of 640 or higher increases your chances of approval. Applicants for this card typically have credit scores in the fair to good range. You can also manage your Home Depot card online – not only can you pay bills, but you can also track your account activity, receive exclusive offers, and turn on account notifications.
Home renovations can add value to your property and allow you to enjoy a newly remodeled space, but they're often costly. If you don't have the cash on hand for home improvements, you may consider opening a credit card from Home Depot or Lowe's to benefit from discounts and/or special financing offers. Home Depot’s retail card and project loan aren’t the only ways you can save on your next project using a credit card. Before you apply, consider whether a general credit card with a 0% introductory APR on purchases or a card that earns rewards at home improvement stores may better suit your needs. Home Depot’s consumer credit card option doesn’t offer much incentive for everyday spending with the retailer.
It’s a quick, “soft” credit check that won’t impact your credit score. Here’s what you need to know about getting approved for a credit card from the Home Depot. You can also apply for a credit card when visiting a Home Depot store.
At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products. Credit limit increase, the issuer may conduct ahard pullof your credit report, which could cause a short-term dip in your credit score. The issuer cannot do a hard pull without your permission, though. If you're a Crate and Barrel faithful, you can get rewarded for your loyalty with the Crate and Barrel credit card. Touted as the store's rewards program, the card offers 10% back in rewards on...
Notably, this card provides no interest or low-interest financing options on select purchases. It comes with card-specific perks, including a first-time purchase discount and an extended returns policy. On the other hand, the downside is that the card lacks cash-back rewards compared to other credit cards.
Like any other lender, Home Depot will also look at your existing debt-to-income ratio. However, approval in the prequalification does not guarantee credit card approval or the same credit limit and APR. Therefore, the qualification factors will also influence Citibank’s decision to approve a certain credit card limit.
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