- What credit score do you need to finance at Home Depot?
- Is it easy to get Home Depot credit card?
- What credit score is needed for Lowes?
- What bank issues Home Depot credit card?
- Is Home Depot credit card part of Citibank?
640 or higherA 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.
Yes, the Home Depot Credit Card will do a hard pull. You will need a credit score of at least 640 to get it, which is on par with what most store cards require. There is no way to pre-qualify for the Home Depot Credit Card. A hard pull usually causes an applicant’s credit score to drop by 5-10 points.
640 or betterThe Lowe’s credit card credit score requirement is 640 or better, which is considered fair credit. The Lowe’s card is fairly easy to get, but that doesn’t make it a great card. Even if you have a good or excellent credit score, the card will have an APR of 26.99% after the intro APR period, which is pretty high.
CitibankHome Depot offers a personal credit card via Citibank. The card can only be used at Home Depot stores or online. Of note, Home Depot offers a project charge card for individuals.
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.