In the modern world, Home Depot is one of the most famous improvement stores you can find. It has a huge chain of more than two thousand stores throughout in different parts of the United States of America. They also provide a credit card in addition to provide house improvement amenities. We have created this updated guide for all the readers here.
The Home Depot credit card enables its customers to buy different home supplies. It offers four kinds of card mainly which are Consumer Credit Card, Project Loan, Commercial Revolving Credit Card,and Commercial Account. First two are personal and later two are for the business owner.
You can manage your Home Depot credit card online. However to manage that, you need to have your login details first. This guide will help you login into your account.
Why to Choose Home Depot Consumer Credit Card:
Want to save on your everyday purchase then you should go for the home depot consumer credit card. If you are thinking to opt a Home Depot Consumer Credit Card,then you would be beneficial if you chose Home Depot Consumer Credit Card as your shopping partner for the below obvious reasons.
- Up to 24 months financing during special promotions.
- Exclusive cardholder credit offers.
- 1-year hassle-free returns.
- Home Depot credit card has the ability to finance your purchases at the very store.
- It can also allow you to reduce the number of interest that you need to pay on the spending.
- It also offers a no interest period of 60 days only commercial cards though.
Home Depot Credit Products:
As we have discussed before, Home Depot offers two types of services, one is for personal and other is business services. Here are small details about these types of services:
- Consumer Card: These cards are normally for individual shopping. If you are a frequent Home Depot customer, then you can choose any of the followings:
- Consumer Credit Card: Any customer owning this card can shop for products either from Home Depot stores or from its website.
- Project Loan Card: If you are involved in a number of projects than this going to be useful as it provides you shopping at a low of APR of 7.99% for a credit limit up to $55,000.
- Commercial Cards: There are two types of Home Depot Commercial Cards suitable for business enterprises with bulk purchase requirements.
- Revolving Charge Cards: It offers credit card account for tracking your purchases, received itemized bills and lots more. If you are able to payoff the total dues within 60 days of time, your annual fees will be waived off
- Commercial Account Cards: The features of the commercial account cards and revolving charge cards are almost the same variations
Eligibility Criteria for Home Depot Consumer Credit Card:
Thinking to apply for a Home Depot Consumer Credit Card then you should meet the below eligibility criteria.
- Your age needs to be at least 18 years if you are a resident of the US.
- For the resident of Puerto, Rico age needs to be at least 21 years.
- If you are married, you may apply for a separate account.
- You should have a healthy credit score.
Benefits of Home Depot Consumer Credit Card:
If you are applying for a Home Depot Consumer Credit Card then you should know about its benefits:
- $25 discount on a purchase of $25 up to $999, made within 30 days of your account open date at The Home Depot retail stores with your The Home Depot Consumer Credit Card.
- $100 discount on a purchase of $1,000, made within 30 days of your account open date at The Home Depot retail stores with your The Home Depot Consumer Credit Card.
- Minimum interest charge and low APR.
- 6 Months financing on purchases of $299 or more.
- Up to 24 Months Financing during special promotions.
- 1-Year Hassle-Free Returns.
- Zero liability on unauthorized charges.
Rate and Fees of the Home Depot Consumer Credit Card:
With awesome benefits, Home Depot Consumer Credit Card has also some rate and fees and you should know it.
- Rates:
- Annual Percentage Rate for Purchases: 17.99%, 21.99%, 25.99%, or 26.99% based on your creditworthiness
- Minimum Interest Charge: If you are charged interest, the charge will be no less than $2.00.
- Fees:
- Annual Fee: None.
- Late payment fees: Up to $38.
- Returned Payment: Up to $ 38.
How to Apply for the Home Depot Credit Card:
As we said earlier that we need to apply for the card first if we wish to receive these benefits of the Home Depot Credit Card. For your convenience, we have gathered the steps for you to apply for it.
- Open the official website of Home Depot with the link www.homedepot.com
- Click on the Credit Services option on the top right corner of your home page.
- Click the Orange “Apply Now” button in Consumer credit card section. By clicking, you will be directed to the application page where you will be asked to fill up your details
- Fill out the online application form.
- Read the terms and conditions and details and then click on the agreement box
- Click the orange “Submit Application” button to process your application
- Once approved, you will get an online notification informing you about your credit limit
- Take the confirmation to your nearest Home Depot store to receive your temporary card information and a $25 coupon to use for the first time Home Depot purchase for more than $25 or more. The coupon is generally valid for 30 days.
How to Log in to Home Depot Credit Card Account:
To manage your account and to check your account balance you need to login first to your account. The login process contains the below steps.
- Open the official website of Home Depot with the link www.homedepot.com
- Click on the Credit Services option on the top right corner of your home page.
- Click on the “Pay&Manage” option.
- Enter your user id and password then click on the “sign on” option.
After you login, you can pay online, as paying with Home Depot is easy. You can manage your account effectively without any hassles.
How to Reset the Password of Your Home Depot Credit Card Account:
If you have forgotten the password of your Home Depot Credit Card online account, then you should follow the below steps.
- Open the official website of Home Depot with the link www.homedepot.com
- Click on the Credit Services option on the top right corner of your home page.
- Click on the “Pay&Manage” option.
- Click on the “Reset Password” option.
- Now enter the card number, Name, Last 4 digits of your SSN then click on the “VERIFY” option.
How to Retrieve User ID of Your Home Depot Credit Card Account:
If you have forgotten the password of your Home Depot Credit Card online account, then you should follow the below steps.
- Open the official website of Home Depot with the link www.homedepot.com
- Click on the Credit Services option on the top right corner of your home page.
- Click on the “Pay&Manage” option.
- Click on the “Retrieve User ID” option.
- Now enter the card number, Name, Last 4 digits of your SSN then click on the “VERIFY” option.
How to Make Online Payments for Home Depot Credit Card
When you have online access to your credit card, you can do and manage a lot of things with it. Additionally, you will be awarded reward points for the transaction you are making there. Isn’t it cool? Here we are going to talk about how you can make those transactions possible:
- Open the official website of Home Depot with the link www.homedepot.com
- Click on the Credit Services option on the top right corner of your home page.
- Click on the “Pay&Manage” option.
- When you are into your account, you can navigate to the payment page.
- Lastly, when you are done purchasing something, provide the details required to transfer your payment for the items you purchased.
Read Also. Gap Credit Card Online Account Log In
Contact:
- Call: 1-866-875-5488 (Mon-Sat: 6:00 a.m. – 1:00 a.m. ET, Sun: 7:00 a.m. – 12:00 a.m. ET)
- Mail: Home Depot Credit Services, P.O. Box 790328, St. Louis, MO 63179.
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