Guide

Home Depot Report Code 25

Webster West

Home Depot Credit Card Application Process

To be approved for a Home Depot credit card offer, you must be a resident of the United States. 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.

Although you can look at your credit report and credit score to gauge your chances of being approved before applying, there’s an easier way. You can use the Home Depot’s pre-qualification tool to see if you’re pre-qualified for the Home Depot consumer credit card. It’s a quick, “soft” credit check that won’t impact your credit score. Get Credit Card Perks

Follow these directions for how to correctly apply for a Home Depot credit card so that you can improve your chances of getting approved:

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Apply Online for a Home Depot Card

  • Visit the Home Depot’s online credit center and find the Home Depot consumer credit card offer.
  • Click the orange “Apply Now” button to access the online credit card application.
  • Fill out the online application. Provide your full name, email address, street address, phone number, financial information, Social Security number and date of birth.
  • Read the account terms and details, and then check the agreement box.
  • Click the orange “Submit Application” button to process your application.
  • Once approved, you’ll get an online confirmation noting 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 a Home Depot purchase of $25 or more. The coupon is good for 30 days.

    • Also See: Best Home Improvement Loans

    FAQ

    What does it mean when you are not instantly approved for a credit card?

    If you don’t receive an instant decision on your credit card application, don’t jump to the conclusion that your application has been denied. “application pending” and “under further review” mean the card issuer hasn’t approved or denied your application yet.

    How many Home Depot cards can I have?

    You may apply with a personal guarantor for The Home Depot Commercial Account. There is the option to select 30- or 60-day payment terms, and you can also enroll in the Fuel Rewards program and select your number of program cards (up to 4).

    How long does it take to get 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 credit bureau does Home Depot pull from?

    Credit system

    The Home Depot uses a number of bureaus to offer credit card service to its customers. The common credit bureau used by Home Depot is Equifax, Experian, and TransUnion. These bureaus check the eligibility of customers to avail of store credit.

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