Home Depot Credit Card Review
Particularly, this Home Depot credit card is of great use for dedicated shopping from Home Depot stores only. Hence, this card is perfect for those who like to have financing offers on their shopping. Also, someone who want to have some relaxation of repayment time, can avail this credit card.
Ideal choice for
Home Depot Consumer Credit Card is the best option for individuals who generally like to do the things themselves. If you like to seek ways for the improvement of your home, love to decorate your surroundings, enthusiastic in DIY kind of projects etc. go for this card. Furthermore, if you are planning to renovate or upgrade your home and going to make major changes, this is the ideal choice for you. Using this card, you will have an option of financing for your project. So, you may have peace of mind for the repayment of the amount in easy installments.
In case, you always search for exclusive offers, deals, sales etc., on products and like to go for bargain, this is the correct choice for you.
In order to buy high quality household products on comparatively low price, this Home Depot Credit Card will be beneficial.
It is very usual that, being homeowner you always find ways to decorate your home. Also, you also want to make your surrounding household convenient and of great use to make your life easy. If you are one of those, this is the card for you.
Loyal to Brand
This is the card for someone who is brand devoted and like to shop products of the same brand again and again. In addition, if you love to get rewards for your loyalty towards particular brand, go for this card.
Pros/Cons of Home Depot Consumer Credit Card
Unlike other similar home design and interior modification store cards, it doesn’t have benefits of rewards and discounts. Specifically, this card is only for financing offers which gets updated round the year.
Immediate access of ongoing exclusive financing offers
0% APR for first 6 months – All purchases of $299 or greater.
Excellent discount on First purchase
In case of purchase greater than $1000, you get 10% off.
Anyone having fair credit can avail this card
If your credit score is 640+, you can get this card.
Missing initial bonus for new Home Depot cardholders
First purchase exclusive discount benefit is missing, in comparison of eye caching offers from similar cards.
No benefit of Reward Points
An option of earning money back in the form of rewards points and hence loyalty program is missing in this store card. You will only get initial $25 reward coupons which has expiry of 30 days.
Significantly high interest on delayed payments
In case you fail to repay the amount within the time frame, you will be charged high interest APR on your balance amount. Also, this interest will be calculated from the first day of financing period.
High purchase APR
Specifically, this card Is having high standard purchase APR of 26.99. This is much higher than the similar store card APR.
In addition to this, cardholders get extra time for eligible returns. Also, they get additional financing offers depending on their purchase. Accordingly, in some cases cardholders get extended financing period of up to 24 months. However, it entirely depends on what you buy and the amount spent.
Like most standard credit cards, HomeDepot Consumer Credit Card also gives you security benefits. Such as $0 liability in case of unauthorized transactions. Also, Citi bank will provide you new card in case of lost or stolen Home Depot Credit card. In addition, you can also set transaction alerts and notifications. Hence, whenever any transaction takes place using your card, you will immediately get notification. So that, you will come to know, whether the transaction is genuine or not. Also, you can track any fraudulent activity on your card.
Credit Score needed for Home Depot Card
In general, anything more than 640 is good to get a Home Depot Card. For both, HomeDepot Credit Card and Home Depot Business Card, 640+ credit score is sufficient. In case of Home Depot Cards, all 3 Home Credit Cards are store specific. So, customers can use them in any of the Home Depot stores only. In addition, having credit score of 640+ doesn’t mean that, you will surely get an approval. There are so many other factors which also need to consider. Such as, Annual Income, Past payment history, Any previous debt etc. City bank is the bank which issues Home Depot Credit Cards.
Additional Requirements to get Eligible for Home Depot Cards
• Credit Score: Fair credit score of 640+ is enough.
• Age: An applicant should be more than 18 years old. Also, should have independent income proof along with co-signing person. This applies for those applicants who are under 21 years of age at the time of application.
• Residency Status: Being US resident is the primary requirement. For address proof, residential location should be in any of the 50 states or in Washington DC.
• Basic Personal Info: Information such as, full name, residential address, contact number, Social Security Number (SSN), birthdate etc.
• Financial Status: Information such as, any rent or mortgage payments, total annual income etc.
Finally, on approval of Home Depot Card, customer will receive initial credit limit of minimum $500.
Home Depot Consumer Credit Card offers
- In-store product offers
- Offers on Heaters and Air-Conditioners
- Exclusive offers on Building Materials
- Also, offers on Blinds, Shutters, Shades etc.
- Offers on Water treatment, termite treatment etc.
In case, your application is not gone through at that point of time, you have an option to check the status later. For check the status of Home Depot Credit Card application, both online as well as phone call options are available. To make a phone call dial on 886-875-5488 Home Depot Phone Number. To confirm your credential, customer care executive may ask your Social Security Number (SSN). Anyway, if you get approval, you will receive your card within 10 working days.
Meanwhile, if you get the confirmation of approval, you can simply walk in to the nary by Home Depot store. And ask them to give you temporary card details along with $25 reward coupons. In order to use this rewards coupon, buy something and get $25 flat reduction in the final bill. Also, keep in mind that, these reward coupon is valid for only 30 days after the receiving date.
Why Login to Home Depot Credit Card?
- $0 Annual Fee
- No interest for eligible purchase of $299 or greater, and paid within 6 months
- Flexible financing programs
- Option of online credit card bill payment by using Bank’s Website.
- By accessing Home Depot Credit Card Login portal, you can access payment history and can manage your credit card account.
Home Depot Credit Card Login Features
- Get comprehensive information of your Credit Card.
- You can get track of payment history and transactions.
- Online payment of Home Depot Credit Card bill.
- Get notification of exclusive card offers.
- Trouble free online management of credit card account.
- Access all services related to your Home Depot Customer Credit Card.
- Keep track of all your previous credit card related data.
- You should have valid User ID and Password of MyHomeDepotAccount login portal.
- Well configured Desktop or Laptop or Smartphone or Tablet
- An internet connection with decent speed.
How to Apply for a Home Depot Credit Card?
In order to apply for a Home Depot Credit Card, simply visit the official website of Home Depot. Alternatively, you can also visit any nearby Home Depot store and fill an application form. So, to apply for it, you will need your personal information handy, such as contact information and Social Security Number (SSN) etc. Once, you submit your online/offline application form, you will get the final result within 5-7 working days. In some odd cases, it may take a bit longer time to get approval. Following are the easy steps to apply for a Home Depot Credit Card.
- Visit the official website of Home Depot and go to the “Credit Center” section.
- There you will find multiple card options such as, Consumer Card, Project Loan Card, Commercial Card etc. Select one that you want to apply for.
- Then, click on the “Apply Now” button.
- Furthermore, you will find an online Home Depot application form on the Citibank Website.
- Then after, fill all the information in the application form.
- Click on the check box for Agreeing all card related terms and conditions.
- Finally, click on “Submit Application” button.
- If everything is in-line with the requirement of bank, you will get instant approval on the screen.
Besides, this Home Depot Credit Card online application process, customers can also apply it by visiting Home Depot store. For instance, go to the Home Depot Customer Service Desk and ask for the application form. Furthermore, fill it and give it back at the desk for approval procedure.
Home Depot Credit Card Login Process
You can simply follow below steps to get access to your Home Depot Credit Card account.
Step-1: First, go to the official webpage of Home Depot Credit Card Login portal.
Step-2: Following that, enter your User ID and Password.
Step-3: Click on “Remember My User ID” check box, if you want your web browser to remember it next time when you visit this page.
Step-4: Finally, click on “Sign On” button, to get full access of the login portal.
Home Depot Credit Card Phone Number
In order to do Home Depot Credit Card payment, simply call on Home Depot Credit Card Customer Service number.
- For Consumer Credit Card Account support call on 1-800-677-0232
- Support for Major Appliances: 1-877-946-9843
- For support on Homedepot.com Online Order: 1-800-430-3376
- Primary Home Depot Customer Service: 1-800-HOME-DEPOT (466-3337)
- For query regarding Commercial Revolving Charge Card call on: 1-800-685-6691
- Query regarding Commercial Credit Card Account call on: 1-800-395-7363
To get help using message, Text 38698
So, by calling on this Home Depot Phone Numbers, customers may get solution of their queries. Such as online order status, manage Home Depot Credit Card, check Home Depot Gift Card Balance etc. Also, customer can walk-in to the nearby Home Depot store and get help. They can contact customer service desk or alternatively speak to any Home Depot associates.
How can I make a Home Depot Credit Card Payment?
In order to make a Home Depot Credit Card payment, you can pay by online method, by phone call, or by mail. It is also possible to make payment by simply walking in the nearby Home Depot store. In case you want to pay Home Depot Credit Card bill online, following are the easy steps to do it. Also, online bill payment is the easiest option of all.
Step-1: First, Sign on to your Home Depot online account.
Step-2: Then, click on the “Pay & Manage Card” button under Consumer Cards.
Step-3: Furthermore, click on the “Make a Payment” option.
Step-4: Finally, enter the billing amount or amount you want to pay, by selecting your bank account.
To make HomeDepot Credit Card payment over phone, you need to have physical card with you. Check on the back side of the card, and dial Home Depot customer service number on 866-875-5488. Call on this number between 6:00 AM to 1:00 PM EST Monday to Saturday. To make payments on Sunday, call customer service between 7:00 AM to 12:00 AM EST.
If you want to make your bill payment by mail, send a check on the below mentioned Home Depot’s payment address. Also, do not forget to mention your account number on the memo line. Generally, it takes 5-7 working days to process such payments.
Home Depot Credit Services
Louisville, KY 40290-1010
Frequently Asked Questions (FAQs)
Home Depot Cards are best for whom?
Having Home Depot Credit Card is one of the decent options for financing benefits at Home Depot stores. However, using it only at Home Depot store is the only limitation, and you cannot use it anywhere else.
If you want to get good financing option at Home Depot stores, this card is a good choice. Conversely, poorly offered rewards program makes this card non-recommendable. Hence, this card may not be the correct choice for someone who likes to pay their credit card bills regularly on time. And who don’t want to carry monthly balance forwards.
How long does the approval process take?
Generally, you get quick response for online applications. However, for other mode of applications, it may take up to 14 days. In most of the cases, on approval you get new Home Depot Card through mail. In case, your application is not through, then also, you will get a rejection letter within 2 weeks’ time.
How do you activate your Home Depot Consumer Credit Card?
Once your application for HomeDepot Credit Card is through from City Bank, you will get a link in your official email. Using that link, you can verify yourself and can activate your account easily.
How to do Home Depot Credit Card balance check?
You can do Home Depot Store Credit Card balance check by various options. However, the easiest option is to login to your account online. Moreover, you can also do Store Credit Card balance check by phone using 866-875-5488 number. Alternatively, you can walk-in to the nearby Home Depot store and ask the customer service executive for help. He will swipe your card in the machine and will let you know the balance.
How do you reset Home Depot Credit Card User-ID or Password?
There is an online option available using which, you can reset your Home Depot Consumer Credit Card User-ID or Password. For that, go to the official online login portal and click on “Retriever User-ID”. Then, provide your Card Number, Name as it appears on your card, Security Code and last 4 digit of your Social Security Number (SSN). Finally, click on “Verify” button to retriever your User-ID. Follow the same process, by selecting an option of “Reset Password” from the Home Depot login screen.
Can I pay my Home Depot Credit Card in store?
No. There are only 3 possible payment options including online payment, pay over the phone or pay by Mail. In order to make payment, online payment is one of the best and easiest way. In addition, you have flexibility of making payment on any day and anytime. Moreover, to make Credit Card payment over phone, call on the 866-875-5488 phone number, and follow the instructions of customer service executive.
How can I make Home Depot Credit Card Payment?
Customers can make Home Depot Credit Card payment by using online payment method, by phone call or by Mail. In our opinion, easiest way to make bill payment is online. For that, simply login to your Home Depot account and click on “Make a Payment” button. It will ask you the amount you want to pay and you bank account details if you have not stored it earlier.
In order to pay your Credit Card bill over phone, simply call on the toll-free number on the back of your card. Alternatively, you can also make a call on the customer card by dialing 866-875-5488. You must call them between 6:00 AM to 01:00 AM EST, Monday to Saturday. Or else, between 07:00 AM to 12:00 AM EST on Sundays.
In case, you want to pay your Credit Card bill by mailing them, allow them to process it in 5-7 working days. For that, write a check mentioning your account number on the memo line, and send it on the following Home Depot address.
The Home Depot® Consumer Credit Card Payments
Home Depot Credit Services
P.O. Box 9001010
Louisville, KY 40290-1010
The Home Depot® Consumer Credit Card Overnight Delivery/Express Payments
Attn: Consumer Payment Dept.
6716 Grade Ln
Louisville, KY 40213