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If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. Can help you finance a big home project; in fact, that's its primary selling point. It offers six months of deferred interest on purchases of $299 or more.
This means we will credit your account as of the calendar day, based on Eastern Time, that we received your payment request. If we receive your request to make an online payment after that time, we will credit your payment as of the next day. Cardholders also enjoy rotating exclusive offers, such as 10% off a certain brand for a limited time, or 24-month financing offers during special promotions.
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If we have made an error or published misleading information, we will correct or clarify the article. If you see inaccuracies in our content, please report the mistake via this form. A secured credit card is a type of credit card that is backed by a cash deposit, which serves as collateral should you default on payments. Credit cards are a way of borrowing money for hopefully short periods of time. Although you can apply for a Home Depot card in stores, the easier way is to visit their website. Assuming you meet the credit requirements, Home Depot’s credit issuer, Citibank, will issue a card within 10 days.
Cancelling Paperless Statements and E-Communications
Home Depot offers a variety of credit cards, including consumer cards and company cards. On the consumer side, Home Depot offers its consumer credit card that can be used by individuals at its stores. This card comes with six months of 0% financing for a purchase of $299 or more. To enroll in paperless for your account, start by reading the terms and conditions below. You are agreeing to receive your statements electronically only and some of your legal notices electronically only. If you do not wish to enroll, choose Cancel and deselect the Paperless Statements checkbox.
ZDNET's recommendations are based on many hours of testing, research, and comparison shopping. We gather data from the best available sources, including vendor and retailer listings as well as other relevant and independent reviews sites. And we pore over customer reviews to find out what matters to real people who already own and use the products and services we’re assessing. Home Depot does not list the credit requirements, but its APR for consumers will be 17.99% to 26.99% To apply, the process is rather easy, which can be done online. Any payment made on a weekend or holiday will be applied as of the day you make it. If a scheduled payment exceeds the current balance at the time of execution, you agree that we will reduce the scheduled payment amount to the amount of your current balance.
Online Bill Pay
If any electronic payment is returned unpaid by your financial institution for any reason, we may charge, and you agree to pay, a returned payment fee. You may also be charged a late fee based on the terms and conditions of your Card Agreement. Specifically for Home Depot’s professional customers, the Pro Xtra Commercial Revolving Charge Card allows authorized employees to use the card for company purchases at any U.S. To receive your legal notices electronically, your computer must be capable of printing or storing email, web pages and documents in PDF format and your browser must meet minimum system requirements. The scoring formula takes into account the type of card being reviewed and the card's rates, fees, rewards and other features.
Before choosing a Home Depot credit card, consider why you want or need a credit card from Home Depot. If you’re a business owner and need to load up on supplies for a specific building project, one of the Commercial or Pro accounts might provide more benefit to you. Each commercial credit option allows additional cards for employee purchasing. For example, the Pro Xtra offers authorized user cards for employees to make purchases using the commercial account. The Commercial Account card allows business owners to set spending limits and apply for up to four buyer ID cards to allow employees to make purchases.
Can I use the Home Depot card anywhere, since it is issued through CitiBank?
If your email address changes, please update it through account online or call us at the number on the back of your card. As with most store cards and most credit cards a hard credit inquiry is run in order to approve applicants for Home Depot credit services. Applying for any credit product is a decision you always should make carefully, since credit checks often lower your credit score by a few points. On the Home Depot website you can also see whether you pre-qualify for the Consumer Credit Card, which is a helpful way to see your chances of approval without negatively impacting your credit score. Prequalification or preapproval are not guarantees of approval for any credit card or loan.
For professional customers in need of a commercial account, Home Depot offers commercial accounts without many of the gimmicky Pro Xtra program perks. Even if you don't take advantage of the deferred interest offer, you'll want to avoid carrying a balance from month to month. As with many store-branded credit cards, the ongoing interest rate can be quite high. Home Depot offers a credit card for individual consumers, as well as various commercial and contractor cards.
If your email address changes, please update it through Account Online or call us at the number on the back of your card. Regardless of the card issuer, all of the Home Depot credit options can only be used for in-store or online purchasing with Home Depot. Each credit option gives card members an extended window for making returns -- up to one year.
However, the Pro Xtra Card works more like a credit card, as it gives cardholders the option of either making low monthly payments or paying the credit balance in full every month. If you’re not a contractor receiving discounts or benefits for brand loyalty, then many individuals may instead opt to shop at Lowe’s—one of the major Home Depot competitors. Lowe’s offers a consumer store-only card too, as well as cards for contractors. The Lowe’s credit card, also called the Lowe’s Advantage Card, comes with an APR of 26.99% and an introductory rate of 7.99% for 84 months on purchases above $2,000. Home Depot also offers commercial cards for contractors and businesses. Its commercial cards include a commercial charge card and a commercial line of credit account .
