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How To Get Your Home Depot Credit Card Application Approved
Home improvements don’t have to leave you strapped for cash. The Home Depot consumer credit card makes it easy to tackle repairs and update your home, thanks to special everyday Home Depot financing with no interest for six months on purchases totaling $299 or more. Additional perks include one-year hassle-free returns and up to 24-month special financing on certain promotions, plus a convenient online portal for making your Home Depot credit card payment. Here’s what you need to know about getting approved for a credit card from the Home Depot. Advice from CardCritics: Why It’s Time To Ditch Your Store Credit Card To be approved for a Home Depot credit card offer, you must be a resident of the United States. Whether you apply online or in person, the approval process usually takes place on the spot, and you will receive your card within 14 days. In the event that Home Depot can’t provide an instant credit decision, you’ll be notified within 30 days by U.S. mail to advise you of your application status. 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. It’s a quick, “soft” credit check that won’t impact your credit score. Follow these directions for how to correctly apply for a Home Depot credit card so that you can improve your chances of getting approved: Apply Online for a Home Depot Card
Apply in Person for a Home Depot Card
How To Improve Your Chances of Getting a Home Depot CardBeing approved for any credit card isn’t guaranteed, even if you are pre-qualified. Lenders still need to evaluate other factors — such as your income, for example — before final approval. Here are some steps for improving your chances of getting a Home Depot card:
A credit card rejection doesn’t mean you’ll never get approved. Instead, find out what’s blocking the approval and take steps to correct it, so you can get the credit card you want. Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article. Information is accurate as of Oct. 27, 2022. Cynthia Measom is a personal finance writer and editor with over 12 years of collective experience. Her articles have been featured in MSN, AOL, Yahoo Finance, INSIDER, Houston Chronicle, The Seattle Times and The Network Journal. She attended the University of Texas at Austin and earned a Bachelor of Arts degree in English. Learn More What credit score do I need for a Lowes card?The Lowe's Store Card credit score requirement is 640 or better. That means people with at least fair credit have a shot at getting approved for this card.
Is it easy to get Home Depot card?No, it is not hard to get the Home Depot® Credit Card, though it's not especially easy, either. You need a credit score of 640, at a minimum. This means people with fair credit or better should have a shot at approval.
Is Home Depot credit card instant approval?Whether you apply online or in person, the approval process usually takes place on the spot, and you will receive your card within 14 days. In the event the Home Depot can't provide an instant credit decision, you'll be notified within 30 days by U.S. mail to advise you of your application status.
Is Home Depot credit card a hard pull?Yes, the Home Depot Credit Card does a hard pull credit check. You will need a credit score of at least 640 to get it, which is on par with what most store cards require. There is no way to pre-qualify for the Home Depot Credit Card. A hard pull usually causes an applicant's credit score to drop by 5-10 points.
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