Friday, February 3, 2023

Where To Pay Home Depot Credit Card

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Home Depot Credit Card Rewards

How to Pay Bill Online

There are not rewards associated with the Home Depot credit card. You will, if you shop at Home Depot, receive discounts in the mail at several points throughout the year, be notified of sales and have the same options to purchase as other people, but you will not be offered any rewards. There is no reward program and no special discounts available for Home Depot card holders. However, if you also have a Lowes credit card, the Home Depot will match Lowes 5% discount if you show the Lowes card when you make your purchase. Thats about it as far as rewards and discounts go, however.

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.

You Wont Want To Carry A Balance

Even if you dont benefit from the deferred interest offer, youll want to avoid taking a balance from month to month. As with many store-branded credit cards, the constant interest rate can be quite high. The ongoing APR is 17.99% 26.99% Variable.

For instance, the average APR for accounts that incited Interest in 2018 was 16.04%.

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It Offers Deferred Interest

The Home Depot Consumer Credit Card can help you finance a big home project in fact, that’s its primary selling point. It offers six months of deferred interest on purchases of $299 or more.

Be aware, however, that there’s a difference between deferred interest and a true 0% intro APR offer. The former merely “sets aside” interest, while the latter waives it for a period of time.

With The Home Depot Consumer Credit Card, if you fail to completely pay off the balance at the six-month mark, youll be responsible for interest accruing from the day you made the purchase. That could end up being an expensive mistake.

If you can qualify for a card with a true 0% introductory APR offer that lasts 12 months or longer, youd be better off. The Chase Freedom Unlimited®, for example, offers an intro 0% intro APR on Purchases for 15 months, and then the ongoing APR of 14.99% – 23.74% Variable APR. Plus, it earns rewards: at least 1.5% on everything.

» MORE: NerdWallet’s best low interest and 0% APR credit cards

No Interest For 60 Days On Every Purchase

In addition, both commercial cards and accounts offer 30- or 60-day terms for payment. Particularly if your business has no history of credit, you may need to provide a personal guarantee when opening a commercial account. You will be responsible for all debts and obligations if the company defaults on payment.

Commercial Home Depot Accounts work more like charge cards than credit cards. Since your balance is expected to be paid in full each billing cycle, there is no set APR or minimum monthly payment.

It is more like a credit card for the Home Depot Commercial Revolving Charge Card function. Payments must be made at least once a month, and interest is charged after the 60 days on the unpaid balance.

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Home Depot Credit Card Login Customer Service

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

Woman Details How Forgetting To Pay A $9 Home Depot Credit Card Charge Ruined Her Credit Score

A woman has revealed how opening a store credit card at Home Depot ruined her credit and jeopardized her chances of buying a home after she forgot about a $9 paint charge.

Television producer Cassidy Gard, 31, from Los Angeles, California, shared a tearful public service announcement about the dangers of store credit cards in a viral TikTok video that has been viewed more than 5.1 million times.

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Candid: Cassidy Gard, 31, from Los Angeles, California, shared a tearful public service announcement about the dangers of store credit cards in a viral TikTok video

Big mistake: The television producer explained that she impulsively agreed to sign up for a Home Depot credit card in May because the employee was so nice

It just seemed like it was really special and important to her that I open a card, she said. So I opened the card, and then I forgot. I just totally forgot that I opened a card.

Gard was in the process of buying a house when she realized four months later that her credit score plummeted over 100 points.

For a $9 can of paint, I am now probably not going to get a mortgage on a house, she said through tears. This is the dumbest thing Ive ever done.

Just dont open credit cards at stores, she added. It will ruin your life.

The candid video received nearly 17,000 comments, some of which were more sympathetic than others.

Just say no: Just dont open credit cards at stores, Gard said. It will ruin your life.

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Applying For The Home Depot Personal And Business Cards

Customers can apply for either of The Home Depot cards in person at a Home Depot store or online.

If applying online, youll be redirected to a Citibank application page.

If youre applying online, youll be redirected to a THD Loan/GreenSky application page.

Simply fill out the appropriate forms and submit your application.

If you decide to apply in person, a Home Depot employee will assist you in submitting your application and walk you through any questions you may have.

Capital One Quicksilver Cash Rewards Credit Card

Home Depot Credit Card Review

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.

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Other Ways To Pay For Home Improvement

If youre considering a big home renovation project, a credit card may not be your best resource, or can be a tool to use in tandem with other methods. Even if you use a credit card for the financing perks or rewards, its smart to have money saved that you can put toward your project before any interest charges kick in.

But there are other resources for home improvement to consider too, such as a non-retail home improvement loan, home equity loan or home equity line of credit. Here are more resources for financing your next home improvement:

Home Depot Consumer Credit Card

If you plan to start a big project soon and Home Depot is the only big box home improvement store in your town, you may find its six-month financing option appealing. On purchases of $299 or more, the Home Depot® Consumer Credit Card will charge no interest for six months. If you dont pay off your purchase in full by the end of the deferred interest period, then Home Depot will charge you interest at the regular interest rate from the date of purchase, effectively wiping out your savings with the offer. The regular purchase APR is 17.99% to 26.99%, depending on your credit health.

Unfortunately, Home Depot doesnt offer financing deals with longer terms except during special promotions on specific products. If longer-term financing is what youre looking for, Home Depot has a separate product called the Home Depot® Project Loan Card. It offers credit lines of up to $55,000 with a six-month buying window, 84 months to pay it off, and a fixed 7.99% APR.

Until Jan. 31, 2020, new cardholders who are approved for the Home Depot® Consumer Credit Card can take advantage of a sign-up offer of $25 off a purchase of $25 to $999 or a $100 discount on a purchase of $1,000 or more. Purchases must be made using the card and at Home Depot retail stores, or online, within 30 days of your account opening in order to qualify. Unfortunately, this card offers no ongoing rewards program.

The Home Depot® Consumer Credit Card has no annual fee.

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Terms And Conditions Of The Home Depot Credit Card

The Home Depot card offers APRs of 17.99%, 21.99%, 25.99%, or 26.99%, based on creditworthiness. The card comes with the standard 25 grace period and late payment fees can be up to $40.

Other than the special offers, dont expect any perks like rewards points or cash back with this card. If you use a credit card responsibly, a card that offers cash back or rewards points might be a better option than a store card unless the promotional offers are appealing to you. The Home Depot Project Loan Card is more similar to a line of credit. It doesn’t offer any perks or rewards, but you can borrow up to $55,000 for home projects and renovations.

Extended Return Policy And Up To 24 Months In Special Financing

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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Not Sure Either Card Is For You Consider These Alternatives

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  • Quick Tips for Your Credit Health
  • Benefits And Features Of The Home Depot Consumer Credit Card

    Consumer Credit Cards offered by Home Depot are not traditional store credit cards with loyalty programs. A $0 annual fee is all that separates this card from competitors for people who frequently shop at the store but need some breathing room when paying off big purchases.

    If you want to finance a large purchase, you should only invest it as an investment. Even with the special financing offer, interest charges can mount up over time and become financially burdensome. In this situation, the credit card may be a valuable option if you plan on fixing up your home to increase its resale value.

    Avoid simply financing items that arent useful in the long run, such as a new power tool. It would be best if you only bought those items after paying your monthly bill. If not, you will be charged an APR ranging from 17.99% 26.99%.

    If you want to know if you qualify for the credit card before applying, you can use Home Depots preapproval tool.

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    Can I Use My Home Depot Credit Card In

    According to employees, if you do not have your Home Depot credit card with you, an employee can look up your card and allow a purchase to be made this way.

    However, keep in mind that you will need a valid form of photo ID to allow an employee to find your information for checkout if you dont have the physical card with you.

    Additionally, you can also make payments to your account in this way if you do not have your card present.

    Best For Building Credit Or Financing Short

    WORST CREDIT CARD EVER !!! HOME DEPOT Credit Card (Brutally Honest REVIEW)

    This card is best for Home Depot loyalists, as well as people who are looking to build or improve their credit at a lower cost. With no annual fee or minimum balance requirements, cardholders can practically forget about it and still reap the benefits of building credit.

    The Home Depot card is also a smart option for financing big home improvement or renovations projects for the home, patio or backyard. With one-year hassle-free returns, cardholders get a full 365 days to return purchases for a full refund, which offers DIY-ers both convenience and peace of mind.

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    Extended Returns And In

    The Home Depot Consumer Credit Card doesnt offer any ongoing rewards, but you will get a few added benefits. You can make returns up to one year after your purchase, which is four times longer than the normal Home Depot returns window.

    The card also offers a one-time discount for new cardholders through July 28, 2021, which varies based on how much you spend:

    • $25 off a single purchase of $25 to $299
    • $50 off a single purchase of $300 to $999
    • Or $100 off a single purchase of $1,000 or more

    Otherwise, you wont receive ongoing rewards from Home Depot. The main benefit of this card is special financing on purchases of $299 or more, ideal if youre buying an appliance, or need to stock up on supplies for your project.

    For larger renovations which may cost significantly more , the Home Depot Project Loan might make more sense.

    Know About Home Depot Credit Card Login Payments Benefits

    Home Depot Credit Card : Know about Home Depot Credit Card, Home Depot Credit Card login, Home Depot Credit Card rewards, Home Depot Credit Card sign in Step by Step. Today we will know about Home Depot Credit Card, Home Depot Credit Card login, How to Home Depot Credit Card payment, How to Home Depot Credit Card sign in, this article very important for Home Depot Credit Card Customers every details about Home Depot Credit Card, So read this whole article carefully.

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    Home Depot Credit Card Payments Phone Number

    Home Depot Credit Card Payments Phone Number is most effective, and they make sure you are connected with a live/actual person. The telephone lines are available 24 hours a day, seven days a week, i.e., 24/7 customer service, which is fast and trustworthy.

    For different types of Credit Cards and Accounts, Home Depot has issued 3 types of contact numbers, which are mentioned below:

  • 866-875-5490: For commercial credit card accounts in the U.S.
  • 888-308-5080: For commercial credit card accounts in Canada.
  • 1 866 875 5488: For consumer Home Depot credit cards in the U.S
  • 800-747-3787: For consumer Home Depot credit cards in Canada
  • 866-875-5489: For commercial revolving credit accounts in the U.S.
  • 800-668-5336: For commercial revolving credit accounts in Canada.
  • 800-430-3376: For Online Support
  • Us Bank Visa Platinum Card â Manage Your Home Depot ...

    Depending on the size and expense of your home project, a 0% APR card with a long introductory period might make more sense than a branded store card. The U.S. Bank Visa Platinum offers 0% APR for the first 20 billing cycles on purchases, has no annual fee, and a regular APR of 13.99%-23.99%.

    Theres a bit less risk with this card than the Home Depot Consumer Credit Card too. Any balance remaining at the end of the intro period will only begin accruing interest from that date, rather than taking on retroactive interest from your purchase date like the Home Depot cards deferred interest offer.

    However, you should still pay off as much of your balance as possible and ideally all of it before the end of your introductory period to avoid being hit with the high ongoing APR. You also wont earn any special rewards or discounts with this card, but it can be a good choice to give yourself a buffer to pay down your project expenses.

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    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.

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