Who issues the Home Depot credit card?

Citi
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.

What bank runs the Home Depot credit card?

If you’re even one day late, Citi (the bank behind the Home Depot credit cards) will charge you the full interest amount for the past six months—as if the promotion never existed.

What credit score is needed for a Home Depot consumer card?

640 or higher
A FICO® Score of at least 600 is recommended to apply for The Home Depot Consumer Credit Card, and a score of 640 or higher gives you better approval odds. Applicants who get this card usually have scores in the fair credit or good credit range.

Is Home Depot credit card Visa or Mastercard?

The Home Depot Consumer Credit Card is an in-house store credit card offered by the home improvement retailer. It does not carry a Mastercard or Visa logo. That means that you can use it only for purchases at your local The Home Depot store or through the retailer’s app and website.

What is the highest credit limit on a Home Depot card?

$55,000
Why Is This Card So Popular? What Does It Give Me? The Home Depot Project Loan gives cardholders an extremely large line of credit (up to $55,000), 6 months to make purchases, and up to 9.5 years to pay it all off.

Can I use Home Depot credit card at Lowes?

Home Depot’s credit card can only be used for purchases and rentals (except for gift cards) at Home Depot stores and online as of 2022. Unfortunately, the Home Depot credit card cannot be used at Walmart or Lowe’s and cannot be used internationally in Mexico or for the purchase of gasoline.

What bank is associated with Home Depot?

Home Depot exclusively uses Citibank for its financial dealings, including all kinds of credit card services that Home Depot offers to its customers. What is this? Whether it is the basic Home Depot Consumer credit card or its special project loan card, Citibank backs all spending and lending made through Home Depot.

What bank does Home Depot use?

Is Home Depot credit increase hard pull?

Increased credit limit Unlike Bank of America, Home Depot runs a HARD credit inquiry which showed up immediately on Credit Karma.

Does Home Depot do a hard inquiry?

Unlike Bank of America, Home Depot runs a HARD credit inquiry which showed up immediately on Credit Karma.

Can I use my Home Depot card online?

To use your card online, first add selected items to cart. At checkout, under the Payment tab, choose “apply a gift card” and insert your card number and PIN to place your order. Home Depot gift cards can be purchased and redeemed in store or online.