Home Depot is the largest home improvement retailer in the United States. One of the reasons why it tops the list is because it facilitates its customers with a specified credit card. If you’re looking to sign up, here is what you need to know before getting started.
1.Why Home Depot Credit Card?
A store this big means carrying a pocket full of cash which obviously no one is in favor of nowadays. That’s why Home Depot credit cards are a preferred hassle-free choice to take care of your payment problems. It not only has a range of credit cards to choose from but it also comes with additional benefits to best fit your desires.
1.1.How Home Depot Credit Card Works?
The Home Depot credit card works just like a simple credit card would. When you’re ready to pay your due amount, it gets charged directly to your credit card instead of paying upfront. The due amount can later be paid off before the given due date.
1.2.The Benefits and Limitations of Home Depot Credit Cards
Like many other credit cards, Home Depot credit card comes with its benefits and limitations according to the type of credit card you choose.
- No annual fees
- Eighty four months to pay off your purchases
- Home Depot Commercial Account allows optimized cash flow along with the flexibility to itemize and pay invoice
- No interest if paid within 6 months
- The home Depot Consumer Credit Card charges annual fees.
- Eighty four months to pay off your purchases is only limited to Project Loan credit card.
- Minimum monthly payment is required
|Rewards||No interest if paid in full within 6 months for any purchases of $299 or more. No interest if paid in full within 12 months for purchases that fall under the categories of Building Materials (minimum purchase of $5000), Heating and Air Conditioning (minimum purchases of $299), Water Treatment (minimum purchases of $299), Outdoor (minimum purchases of $899).|
|Telephone||Customer Support – 1-866-875-5488|
|Mailing Address||2455 Paces Ferry Road NW Atlanta, GA 30339 USA|
|Cardmember Agreement||Click here to view the PDF file|
|Cash Advance APR||N/A|
|Cash Advance Fee||None if paid at least 25 days after the closing of each billing cycle.|
|Late Payment Fee||Up to $35.|
|Purchases APR||17.99%, 21.99%, 25.99%, or 26.99% depending on credit rating.|
2.How to Apply for Home Depot Credit Card?
2.1. The Application Process
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In order to apply for a card, the candidate must fill an online form with the required details along with agreeing to the terms and conditions. The information asked is as follows:
- Email Address
- Home Address
- Financial information
- Date of birth
After the submission, the application form would be sent to the concerned authorities for the approval.
2.2.The Activation Process
There are various methods to activate your credit card of which two are the most easiest. The first method is by calling the Home Depot concerned activation phone number which is 1-866-875-5488. The second method is by registering at the website listed below. The site will log in to Home Depot to activate your new card. Both methods will require you to answer a series of questions to confirm your identity after which your card will be activated.
3.How to Use My Home Depot Credit Card?
3.1.How to Login?
To login to your online Home Depot credit card account, you will simply be asked to fill in the following information
- User’s ID
Bills, purchases, and itemization all can be done by using your online Home Depot credit card account.
3.2.What to do if I forget my User ID/Password or lost my Home Depot Credit Card?
In the case of forgetting your User’s ID or Password, there is no need to worry. Your account can be easily retrieved without much hassle. Once you’ve been directed to the site, it will ask you to verify your information to confirm your identity. The following information must be provided in order to retrieve your online account
- Card number
- Name as it Appears on Card
- Security Code
- Last 4 Digits of the Primary Card Holder’s SSN
After the information has been matched, you will be asked to reset your account access information.
4.Most Popular FAQs of Home Depot Credit Card
The frequently asked questions list is a great way to solve your problems. It covers almost all the common problems faced by the public in the process of handling and using this credit card. You can easily find answers to questions related to account security, disputes concerning the use, updating information such as your home address, lost or stolen cards, statements, problems related to the transaction and much more. It answers just about everything. It is hard for your questions to be left unanswered after visiting the FAQs section.
5.How to Cancel Home Depot Credit Card?
Canceling a credit card is an extremely effortless process. If you’ve chosen to cancel or deactivate your Home Depot credit card, the following few points should be kept in mind before doing so;
- Make sure your account balance stands zero.
- Call the customer care representative. The number is provided on the back of your Home Depot Credit Card, or you can visit their official website.
- Ask to deactivate your card
- You will further need to give them your necessary security information and answer any question they may ask as it is important for complete assurance and safety of the customer.
- The deactivation process may take a few days to weeks to complete so keep an eye on your bank statement throughout the process.
6.Reviews of the Home Depot Credit Card
In many of the reviews, people are outrageous about the amount of interest money that is stated at the end of their payment plan when a fraction of the due amount is yet to be paid. The reason for this is because many people blindly check the terms and conditions box as if it was OK by them; unaware of the conditions stated under the heading “Terms and Conditions.” This card is customer user-friendly and is not suitable for contractors. Although many people have discouraged the use of this card, there are a few that have praised it as well.
Home Depot Credit Card’s benefits are very limited and unattractive. Penalty on the late dues is very high as compared to others. The customer service is also not appreciable as many customers are left unanswered. This card may suit a few people, but the majority of the public is not happy with how it works.