Wednesday, March 29, 2023

How To Pay My Home Depot Credit Card

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Other Ways To Pay Your Home Depot Credit Card Bill

How to Pay Bill Online

There are alternatives if you dont want to pay your Home Depot bill online.

  • Pay by phone: You can pay by phone by calling . They are available from 6:00 a.m. to 1:00 a.m. EST Monday through Saturday and from 7:00 a.m. to 12:00 a.m. EST on Sundays.
  • Pay by mail: Send a check or money order to The Home Depot Consumer Credit Card Payments:Home Depot Credit Services If youre running late on making your payment, you can overnight your payment toThe Home Depot Consumer Credit CardOvernight Delivery/Express Payments

Best Cards To Pair With The Home Depot Credit Card

Since this card doesnt offer regular bonuses or an ongoing rewards program, many cardholders will want to use it along with their regular cash back or rewards card. And because this card works only at Home Depot, it makes sense to have a different credit card that earns rewards or wait to build credit with this card before opening up a better card.

Ways To Make A Home Depot Credit Card Payment

  • : Call and enter your card information when prompted.
  • Online: Log in to your online account and click on Make a Payment.
  • Through the mobile app: Log in to your account and select your card, then tap Make a Payment.
  • : Send a check or money order to The Home Depot® Consumer / Credit Card Payments / Home Depot Credit Services / P.O. Box 9001010 / Louisville, KY 40290-1010. Make sure to send it early enough that it will arrive by the due date. Write your credit card number on the check, too.
  • At a branch: You can make a payment at any Citibank branch during normal business hours.

What credit score is needed for a Home Depot card?

Applicants generally need fair credit, which means a score of at least 620, to get the Home Depot Credit Card. However, having such a credit score doesn’t necessarily mean that you will get approved. Credit scores are an imperfect indicator for approval, as issuers typically modify publicly-available scoring models with their own proprietary screening criteria. They also take into account numerous factors that aren’t necessarily incorporated into your score, such as your income and outstanding full answer

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The Home Depot Project Loan

The Home Depot Project Loan is more like a fixed personal loan than a traditional credit card. If you qualify, you can access a line of credit up to $55,000 with up to 84 months pay it off. Youll have six months after approval to purchase everything for your project, which youll pay off in fixed monthly payments at a fixed interest rate. Theres no annual fee.

Your APR is based on your loan amount and credit approval. There are four tiers you may be approved for:

  • 66 monthly payments at 7.42% APR
  • 78 monthly payments at 12.86% APR
  • 90 monthly payments at 16.24% APR
  • 114 monthly payments at 19.96% APR

Monthly payments will not exceed $20 per $1,000 spent. Heres what your monthly payments might look like depending on your loan amount, according to Home Depots website:

Loan Amount
$55,000 $1,100

While the interest rates on a Home Depot Project Loan can be much more affordable than interest on the Home Depot Consumer Credit Card, your total will quickly add up if you only make minimum monthly payments over the lifetime of the loan. Before you start your project, budget for the supplies youll need and come up with a plan to pay off your purchase as quickly as possible to avoid racking up interest payments.

How To Add A Receipt To Your Pro Xtra Account

Your credit card does not automatically add your receipts to your Pro Xtra account. If you forget to mention your program number during a qualifying purchase, you can input it in your Pro Xtra account within 120 days. Just log in to your Pro Xtra account to add the receipt details or go to the Home Depot Pro Desk or Special Services Desk to have it added. We recommend adding your credit card to your Home Depot account instead so that your receipts can be tracked automatically and synced to your accounting package. Plus then a receipt will never be missed if you forget to mention your program number since you are tracked by th elast 4 digits of your credit card instead.

Read Also: App For Best Buy Credit Card

Things To Know About The Home Depot Credit Card

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list ofour partnersandhere’s how we make money.

Theres something appealing about strolling through Home Depots wide aisles, dreaming of home improvement projects that might be in your future. Unfortunately, The Home Depot Consumer Credit Card doesnt elicit the same good vibes, despite its $0 annual fee.

Thats because the store-branded card doesn’t earn ongoing rewards and offers little in the way of perks. Even the most loyal Home Depot fan would probably be better off with a flat-rate cash-back or rewards card.

Here are five things to know about The Home Depot Consumer Credit Card:

» MORE:NerdWallet’s best credit cards

The Home Depot Business Cards At A Glance

Up to $35 Up to $40

For professionals, the commercial card and account offer similar benefits deciding which product is right for you depends on your payment flexibility. Lets first review the shared benefits.

Pro Xtra: Pro Loyalty Program

Pro Xtra is The Home Depots loyalty program for professionals. Members receive exclusive benefits, like volume pricing, purchase tracking, paint rewards, and exclusive discounts and offers. Business tools are also available, such as Text2Confirm purchase authorization, reloadable gift cards, and a virtual ID.

Fuel Savings

Enroll your commercial card in Fuel Rewards and earn 10¢ per gallon for every $100 of qualifying purchases at The Home Depot.

At participating Shell and other select gas stations, your fuel price will drop when you swipe your card at the pump .

Purchase Itemization

Your monthly billing statement contains an itemization of all purchases made on your commercial account or card. Purchases can be tracked by the buyer or job name, job number, or purchase order.

60 Days With No Interest on Every Purchase

Lastly, both the commercial card and account offer the option of 30- or 60-day payment terms. If your business does not have enough credit history to establish a commercial account, particularly with young or small companies, you may give a personal guarantee. In the event that the company defaults on payment, you will be held personally liable for all obligations and amounts due.

Also Check: Credit Card That Has No Foreign Transaction Fee

The Home Depot Consumer Credit Card Benefits And Features

The Home Depot Consumer Credit Card is not a traditional store credit card with a loyalty program. Instead, this card is designed for those who frequent the store and need breathing room to pay off big purchases all for a $0 annual fee.

Even with the special financing offer, the interest charges can mount up and be financially straining over time. As a rule of thumb, you should only finance big purchases that you consider to be an investment. For example, if you need to take out credit to pay for a remodeling that will increase your home’s resale value, the card may be worthwhile.

However, avoid the temptation to simply finance things that dont have a long-term value, like a new power tool or electric saw. Ideally, those things should only be purchased once you can immediately pay your bill at the end of the month. Otherwise, you’re subject to a high purchase APR ranging from 17.99% – 26.99% variable.

Before applying, you can use Home Depot’s preapproval tool to see if you’ll qualify for the credit card without affecting your credit score.

How Do I Pay My Home Depot Bill By Mail


How To Make a Home Depot Credit Card Payment by Mail

  • Log in to your Home Depot Account online and select the Statements tab from the Account Activity menu.
  • Put your payment check in an envelope, and dont forget to write your account number in the memo section, so the company knows which account to credit.
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    How To View Your Billing Statements At Home Depot

    Visit our Credit Center page, then select the appropriate card image to access the online account management site log in or register to access your online account After logging into your account, go to the Account Activity menu from the home page and select Download Statements to view your billing statements

    How To Make A Home Depot Credit Card Payment Online

    Making a payment online is easy. Heres how.

  • Gather your bank account number and the ABA routing number before you start.
  • Navigate to the Home Depot consumer credit card .
  • Log in to your Home Depot account using your username and password.
  • Follow the prompts to make a payment.
  • You can also manage your Home Depot card online not only can you pay bills, but you can also track your account activity, get exclusive offers and activate account alerts.

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    Benefits And Perks Of The Home Depot Credit Card

    The Home Depot Consumer Credit Card, issued by Citi, charges no interest for the first six months on purchases of $299 or more. During special promotional periods, you may qualify for up to 24 months of no interest on certain larger purchases.

    Unlike many 0% interest credit cards, the Home Depot Consumer Credit Card just defers your interest payment. So if you dont pay the balance in full by the end of the promotional period, youll be charged interest at the standard variable rate going back to your original purchase date.

    Make sure you have a plan to pay off your balance in full during the financing period, because once its done your balance will be subject to the ongoing variable 17.99%-26.99% APR.

    The Home Depot Consumer Credit Card is also a standard retail card, so you can only use it for purchases you make in Home Depot stores or at Theres no annual fee, and you can check to see if you prequalify online without impacting your credit score.

    Home Depot Credit Card

    My Home Depot Account

    Among the most appealing aspects of the store card are that it does not provide ongoing rewards, nor does it come with any additional perks. If you are a big fan of Home Depot, you would probably benefit more from a flat-rate cash-back or rewards card.

    This retailer, commonly referred to as Home Depot, delivers tools, construction products, and other services to home improvement enthusiasts. Cobb County, Georgia, is the companys headquarters with an Atlanta mailing address.

    All ten provinces of Canada 32 Mexican states and Mexico City and the District of Columbia. The company is a big-box retailer. Interline Brands is another MRO company owned by The Home Depot, with 70 distribution centers located throughout the U.S.

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    How To Make A Home Depot Credit Card Payment Via The Mobile App

    In addition to being able to pay online, Home Depot also has a mobile app where credit card holders can also pay their bills. Available in both the Apple and store, you can pay your bill with a few simple steps:

  • Install and open the Home Depot app on your mobile device.
  • Tap More at the bottom of the opening screen on the bottom right side of the screen.
  • Tap Credit Services.
  • Select your credit card the consumer credit card is listed at the top.
  • Select Pay and Manage next to the card.
  • Follow the prompts to complete your payment.
  • This article has been updated with additional reporting since its original publication.

    Information is accurate as of Feb. 10, 2021.

    Home Depot Has A Separate Card That Can Be Used For Larger Projects

    Home Depot Project Loan card allows cardholders to borrow up to $55,000 to fund big improvements. The APR is 7.99% and can be used for up to 84 months

    This loan is designed to finance large projects as bathroom or kitchen remodels. It appeals to those who cant get lower-APR loans, such as home equity loans.

    Also Check: How To Pay Best Buy Credit Card On App

    Shop Your Way Additional Category Earn Promotion

    This promotion is not transferable is subject to credit approval and the Shop Your Way terms and conditions located at Your Shop Your Way account must be linked to your Sears Mastercard as described above in order to participate in this promotion. You have the opportunity to receive Shop Your Way points for eligible purchases which are made and post to your Sears Mastercard account for 12 months from the month you link your Sears Mastercard to your Shop Your Way account. These extra points are inclusive of any base points earned. When extra point offers are combined, total points earned will be less than the combined point totals for each individual offer. Base points mean the 1% back in points described above which you will receive on purchases that are made outside of Sears, Kmart or other Program Stores or are described below as “certain non-eligible purchases”. Sears base points mean those points awarded as part the standard Shop Your Way program.

    You may only earn 5% back on eligible gas station purchases and 3% back in points on eligible restaurant and grocery store purchases on the first combined purchases of $10,000 during the promotional period and then 1% thereafter.

    2% back in points on purchases at Sears , Kmart, mygofer and for Lands’ End merchandise within Sears stores that are “qualifying purchases” under the Shop Your Way program during the promotional period and then 1% in Sears base points thereafter.

    Extended Return Policy And Up To 24 Months In Special Financing

    Home Depot Credit Card Login Sign In 2021

    The Home Depot Consumer Credit Card helps your budget go further on your next home improvement upgrade or repair. This store credit card is offered through Citi, with card approval and special financing offers subject to creditworthiness. To be approved for the Home Depot Consumer Credit Card, you should have fair or better credit. Paying your bills in full each month means you won’t pay interest. If you qualify for a special financing promotion, you can enjoy an extended 0% interest period to pay off larger purchases.


    • Annual fee: $0

    • Welcome bonus: Up to $100 in savings on qualifying purchases for new card accounts. The offer is valid through January 26, 2022.

    • Perks: 1 full year return policy .

    • Standard APR: 17.99% – 26.99%

    • Everyday financing: 6 months no interest on purchases of $299 or more if paid in full within 6 months.

    • Special financing: Up to 24 months on special promotions with minimum purchase requirements.

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    Register For Home Depot Pay My Bill Online

    On the payment page, click the gray box that reads Register Your Card.

    Enter your card number, your name as it appears on your card, the three-digit security code found on the back of your card, and the last four digits of the primary cardholders Social Security number.

    Click Verify and follow the prompts to finish registering your card. You will be required to create a user ID and password.

    Cardholders Get A Longer Return Period And Receive Exclusive Offers

    Home Depot customers who shop frequently might be able to take advantage of the hassle-free return policy for the card. This is four times more than what you would normally get on Home Depot purchases. This could be a great advantage, especially if you make large purchases that you regret later.

    Cardholders can also receive rotating special offers such as a 10% discount on a brand or 24-month financing during special promotions.

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    Capital One Quicksilver Cash Rewards Credit Card

    If you want to take advantage of a 0% APR introductory period and the opportunity to earn some cash back over time, the Capital One Quicksilver Card could be a good option. Youll have 15 months of 0% APR on new purchases, then a regular variable APR of 14.99%-24.99%. Plus, youll get unlimited 1.5% cash back on every purchase and can earn a $200 welcome bonus when you spend $500 within three months of account opening.

    *All information about the The Home Depot Consumer Credit Card, AAdvantage® Aviator® Red World Elite Mastercard® and Capital One Quicksilver Cash Rewards Credit Card has been collected independently by NextAdvisor and has not been reviewed by the issuer.

    The Home Depot Consumer Credit Card

    • Intro bonus:
    • at our partners secure site.

    Can I Use My Home Depot Credit Card Before It Arrives

    The Home Depot Consumer Credit Card Review: Should You ...

    You can use your Home Depot credit card before it arrives using a temporary card or code issued upon approval.

    It is recommended that you apply in-store for a Home Depot credit card so that you are given a temporary card to use in the time it takes for your actual card to arrive.

    The card can take up to two weeks to arrive from the time of approval, meaning the temporary code or card can come in handy for those wishing to shop in the meantime.

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    How Do I Use My Home Depot Store Credit

    4/5Re: how to use home depot store credit at home

  • Find a friend or family member that needs to buy “something” of similar value at Home Depot,
  • Go with them when they buy the “something”,
  • Use your store gift card to pay for the “something”,
  • Have them give you cash value for what you bought for them,
  • You can use your home depot credit card online along with gift cards. However, you cannot use store credit online. They are linked to a driver’s license which the cashier must verify in order to use it on a transaction.

    Similarly, how do I turn my Home Depot store credit into cash? The online gift card exchange program powered by BuyBackWorld makes it easy to turn your unwanted Home Depot In Store Credit Only store credit into cash. Click the “update my balance value” button above and simply enter the remaining balance of your Home Depot In Store Credit Only gift card or store credit voucher.

    Furthermore, 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.

    How do I check 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!

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