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Keep these Points Before Applying for Home Depot Credit Card


The cost of home improvement isn’t cheap; however, sometimes it’s something of a “must-do” instead of being a “want to.” If that’s the situation, the Home Depot credit card offered might be just the thing, particularly for emergencies that carry the cost.

Home Depot offers a variety of credit cards, which include corporate and consumer cards. Home Depot offers its consumer credit card to customers who wish to utilize it at their retail stores on the consumer side. The card provides six months of Financing at 0% for purchases worth $299. 

The commercial cards provided by Home Depot include the retail revolving credit card and a commercial bank account. Citibank is the credit card provider for Home Depot.

Are you eyeing for Home Depot Credit Card Login? If yes, then visit Home Depot Credit Card Login Customer Service. You will find all the relevant details regarding The Home Depot Payment, such as Home Depot Customer Service Number and Call Home Depot Center Details. Kindly go through the complete article to clear all your doubts regarding the same.

Consumer Credit Card

Extend your budget for making home repairs, updates, and improvements.

  • 6 Months Financing* on purchases of $299 or more.
  • Zero liability on unauthorized charges.
  • 1 Year to Make Returns – 4X longer to make returns, just for being a card member. Refer to The Home Depot Returns Policy for details.
  • Minimum payments required
  • Up to 24 Months of Financing* during special promotions.
  • Credit card limits based on creditworthiness.

Project Loan

We don’t just make it happen; we make it affordable.

  • Six months to purchase everything for your project*
  • Loans up to $55,000 to purchase all your project materials and more. No Annual Fees.
  • Fixed low monthly payments with more time to pay and flexibility to pay off any time.**

Commercial Revolving Charge Card

Low monthly payments with the Commercial Revolving Charge Card.

  • Payment flexibility to allow you to make low monthly payments or pay in full each month
  • 1 Year to Make Returns- 4X longer to make returns, just for being a cardmember. Refer to The Home Depot Returns Policy for details.
  • Easy Purchase Tracking – Track purchases by PO number, job name, or job number
  • Authorized user cards – Issue cards to employees entrusted to make purchases on your account.
  • Itemized Statements – Easy-to-read, itemized billing statements organized by product number
  • Pro Xtra Membership
  • Online Account Management – View, manage and pay your account online, from anywhere.

Commercial Account

Pay in full each month with the Commercial Account.

  • Payment due in full each month
  • Buyer ID Cards: Authorize users to make purchases with spending limits and get detailed purchase info
  • Pay by Invoice: Optimize cash flow with the flexibility to itemize and pay invoices.
  • Itemized Statements: Easy-to-read, itemized billing statements organized by product number
  • Easy Purchase Tracking: Track purchases by PO number, job name, or job number
  • 1 Year to Make Returns-4X longer to make returns, just for being a cardmember. Refer to The Home Depot Returns Policy for details.
  • Online Account Management: View, manage and pay your account online, from anywhere.
  • Pro Xtra Membership
  • 60 Days to Pay

5 Things to Know About the Home Depot Credit Card

It offers deferred interest.

The Home Depot Consumer Credit Card can assist you in financing the cost of an extensive home renovation; in fact, that’s the principal selling factor. It gives you six months of interest deferred on purchases of $299 and more.

Be aware there is a distinction between deferred interest and a real zero-introductory APR deal. The former “set aside” interest, and the latter will waive it for some time.

If you have The Home Depot Consumer Credit Card, you’ll be held accountable for interest when you purchase the item. It could turn out to be an expensive error.

If you can qualify for an account that has an authentic 0% introductory APR deal that lasts for at least 12 months, then you’re better off. For instance, The Chase Freedom Unlimited(r) is an excellent example of an intro offer of 0 APR intro on purchases for 15 months. Then, the regular APR of 14.99%-24.74 Percent Variable APR. Additionally, it offers rewards of a minimum of 1.5 per cent on all purchases.

You won’t want to carry a balance

Even if you’re not taking benefit of this deferred interest discount, be sure to stay clear of the burden of carrying a debt that isn’t paid in full from month to month. Like numerous credit c ards with store names, the rate of interest that remains constant could be pretty high. The current APR is 17.99%-26.99 per cent. This is a variable.

In comparison, the median APR of accounts that paid the interest rate in 2018 stood at 16.04 per cent.

Cardholders enjoy a more extended return period and exclusive offers.

Customers who are frequent Home Depot shoppers might benefit from the fact that returns are free of charge are provided for an entire year on the card, which is more than four times more than you typically receive with Home Depot purchases. This could be a boon, particularly on big purchases you will regret in the future.

Cardholders can also avail of rotating deals, like 10% off a particular brand for a short period or offers for 24-month Financing in special promotions.

Home Depot offers a separate card for more significant projects.

Home Depot also offers the Home Depot Project Loan Card that allows cardholders to take out up to $55,000 for major renovation projects for a low-interest rate (7.99 per cent at the end of July 2019) and anything up to 84-months (seven). For more information regarding Home Depot Credit Card or any other Credit Card, you can visit There you will get login Customer Services.

It’s intended to fund significant projects as bathroom or kitchen remodels. It may appeal to those who can’t access low-interest loans elsewhere, like an equity loan for homes.

New cardholders enjoy a modest discount

New accounts are welcome. The Home Depot Consumer Credit Card gives you a discount of $25 on purchases between $25 and $299, $50 on purchases from $300 to $999, as well as $100 off any purchase of $1000 or more. It’s nothing.

But, unlike many credit cards with a store logo, There aren’t any regular rewards for purchases made in-store. There is a way to improve.

If, for instance, you’re a DIYer and not a loyal customer of Home Depot, the Lowe’s Advantage Card is a great option. It offers a discount of 5% off all eligible items, which puts it among the top NerdWallet credit cards for stores. If you purchase a minimum of $299 or upwards, you’ll be able to select either the discount of 5% or the same deferred interest deal.

Sophia Eva

Sophia Eva is a blogger and a creative content writer. She is the writer of According to her, Content and Social Media Marketing are the most effective marketing strategies of the moment. 

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