Can I get a Home Depot card with bad credit?

Asked By: Charissa Kortenbusch | Last Updated: 24th February, 2020
Category: personal finance credit cards
4.7/5 (187 Views . 42 Votes)
The Home Depot Consumer Credit Card is one of the more difficult store cards to obtain with poor credit, as it typically prefers credit scores above 650. If you don't need to pre-qualify, you can apply for your card in-store or online.

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People also ask, what does your credit score need to be to get a Home Depot credit card?

640 or higher

Also Know, how long does it take to get approved for a Home Depot credit card? within 14 days

Beside above, which credit bureau does Home Depot use?

When you apply for a store credit card from The Home Depot or Lowe's, their systems will randomly select Experian, Equifax, or TransUnion to check your credit. There is no way to know before applying which credit reporting bureau will be used.

Does Home Depot have 24 month financing?

The Home Depot Commercial and Consumer Credit Card Services Our Home Depot Consumer Credit card provides you with special financing on purchases of $299 or more*, and up to 24-month financing* during special promotions.

38 Related Question Answers Found

Can you get a credit card with a 550 credit score?

The one thing anyone with a 550 credit score should do is open a secured credit card. For that, you'll need an unsecured credit card for bad credit. Such cards aren't ideal, as they charge high rates and fees while allowing you to borrow very little. But they might be your only option.

What credit score do you need to get a Walmart card?

A credit score in the 'good' range — at least 650 — is required for this card. There is only one Walmart credit application, so if you apply and are not approved for a Walmart Mastercard, you may be offered a Walmart Rewards™ Card instead.

Is it worth getting a Home Depot credit card?

The Home Depot Consumer Credit Card can be fantastic for those people who frequent the store and need a little bit of breathing room to pay off big purchases. The biggest downside to this card is that it doesn't offer any ongoing cash back rewards, like you might find on other credit cards.

Does getting denied for a credit card hurt?


A rejection doesn't hurt your score. But your score may drop when you apply for a card, regardless of whether you're approved or denied. Getting rejected when you apply for a credit card has an extra sting if your credit score drops, too. But it can happen.

What is the easiest credit card to get approved?

Easiest Credit Cards to Get in 2020:
  • Green Dot primor® Visa® Classic Secured Credit Card: No Min Credit Score.
  • OpenSky® Secured Visa® Credit Card: No Credit Check.
  • First Progress Platinum Elite Mastercard® Secured Credit Card: No Bank Account.
  • Fingerhut Credit Account: No Annual Fee.

Is it hard to get a Home Depot card?

The Home Depot Consumer Credit Card is one of the more difficult store cards to obtain with poor credit, as it typically prefers credit scores above 650. If you don't need to pre-qualify, you can apply for your card in-store or online.

What credit company does Walmart use?

When used properly, both of these credit cards can help you build your credit history and credit score. By reviewing the terms and conditions of the Walmart MasterCard and Walmart credit card, you can verify that your account activity is reported to the three credit bureaus (Equifax, Experian and TransUnion).

What credit score is needed for a Chase Freedom Card?


The minimum Chase Freedom credit score is around 680. Chase does not officially disclose a specific credit score needed for approval but instead encourages people with good or excellent credit to apply. Simply meeting Chase Freedom's credit score requirement does not guarantee you will be approved for an account.

Do you need ID to use Home Depot store credit?

To use your Home Depot store credit, you'll need to show a valid government-issued photo ID at checkout. The Home Depot has implemented this policy to prevent return fraud, customer service representatives said.

Is a Lowes card hard to get?

The Lowe's Advantage Credit Card is reported to be among the more difficult store cards to get, generally preferring applicants with "fair" credit or better (FICO scores above 620). While you can apply for the Lowe's card online, it's recommended that you apply in-store to take advantage of the one-time signup offer.

Does Target Red Card give instant approval?

Applying for the Target REDcard
You may be approved instantly, or your application may require further review. It can take up to 7-10 days to find out if you have been approved for the card. Potential applicants should have a fair credit history.

How do I check my Home Depot store credit?

OVER THE PHONE: Call Home Depot's gift card support at 1-877-423-3005. REGISTER OR SERVICE DESK: Just ask the cashier or service associate to check your balance. They will scan your card and tell you how much store credit you have remaining!

How do I increase my credit limit on my Home Depot card?


Re: Home Depot card credit line increase
Try going on your online account account and clicking "Manage My Account" (up at the top in the orange bar) and then Credit Line Increase.

Does Lowes have a payment plan?

Fixed Pay Financing. †84 Fixed Monthly Payments at 7.99% APR. Subject to credit approval. Applies to purchase or order of $2,000 or more on your Lowe's Advantage Card.

How many Home Depot credit cards can you have?

There are actually four Home Depot credit cards—two for individuals and two for companies. Unless you're a contractor, you won't need Home Depot's commercial line of cards, so here's a look at the company's two consumer cards. All the terms and conditions are accurate as of July 2019.