What bank provides Home Depot credit card?

What bank provides Home Depot credit card?

Citi
Home Depot Consumer Credit Card This store credit card is offered through Citi, with card approval and special financing offers subject to creditworthiness.

Is it hard to get approved at Home Depot?

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. Their 640+ credit score requirement is consistent with that of other store credit cards. Just having the credit score needed for a Home Depot card doesn’t guarantee approval.

Who does Home Depot pull credit from?

Home Depot employs one of three main credit bureaus to determine the eligibility of the company’s store credit card applicants. The Home Depot credit card service system randomly selects from Equifax, Experian, and TransUnion for applicants’ financial information to be sent to.

How long does it take to get approved for a Home Depot credit card?

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.

What is the highest credit limit on a Home Depot card?

What Does It Give Me? The Home Depot Project Loan gives cardholders an extremely large line of credit (up to $55,000), 6 months to make purchases, and up to 9.5 years to pay it all off.

What is the credit limit on a Home Depot card?

$500
The starting credit limit for Home Depot Credit Card is usually $500.

How long does it take to get approved for Home Depot credit card?

What is Home Depot credit card limit?

The starting credit limit for Home Depot Credit Card is usually $500.

Does Home Depot give instant credit?

What is the minimum payment on a Home Depot credit card?

The Home Depot® Credit Card minimum payment is $29 or 1% of the statement balance, plus fees, past-due amounts, and interest – whichever is higher.

Does Home Depot do a hard pull for credit increase?

Yes, the Home Depot Credit Card will do a hard pull. 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.

How long does it take to be approved for a Home Depot credit card?

How can I Pay my Home Depot credit card?

Gather your bank account number and the ABA routing number before you start.

What credit score do you need for Home Depot credit card?

Those with fair to excellent credit are most likely to qualify for a credit card from the Home Depot. While it is generally recommended that your FICO score be at least 670, it is possible for those with lower credit scores to qualify for small lines of credit.

What bank does Home Depot use for credit card?

Home Depot Commercial Credit Card: The Home Depot Commercial Account is also issued through Citi Bank and can serve as an easy way to keep all of your business charges organized. There is no annual fee and the account carries many of the same features that are on the revolving charge card.

Does Home Depot give a discount for using their credit card?

The Home Depot Consumer Credit Card has a $0 annual fee. Unlike many store credit cards, it doesn’t give you rewards or discounts for purchases. Its main benefit is that you get six months of deferred interest on purchases of $299 or more.