Home Depot Credit Card Account – www.homedepot.com/mycard: Are you searching for all the things needed to refurbish your already beautiful home? Or are you someone who keeps themselves occupied with DIY projects? Whatever the case may be, we at Home Depot offer all products possible and necessary for a home upgrade.
Home improvement products tend to cost a little. Although we do our best to make our products available to you at rational prices, the prices may still be expensive. Therefore, we offer to you our store brand credit card.
If you are skeptical as to whether you should take our credit card, you should keep on reading, as this article provides you with the advantages as well as the shortcomings of our personal credit cards and how to access your credit information. To access information on my Home Depot credit card account visit homedepot.com/mycard.
The Home Depot credit cards
Home Depot Card
At Home Depot we offer two types of personal credit cards. Home Depot consumer credit card and How Depot project loan cards.
Home Depot consumer credit cards provide for daily financing of purchases above $299, 24 months financing during the promotional season, zero blame for unapproved charges, one-year returns as well as discount options. The credit cards have no yearly fee and late fees is only $39.
Home Depot project loan cards provide credit lines to the tune of $55,000, a six months buying window, no interest rates, and 84 months to pay off purchases. The credit cards have no annual fee and late fees are only $39 as well.
This article further provides for more differences between the two credit cards offered by us. To select the one best for you, keep reading on.
Home Depot consumer credit cards
The Home Depot customer credit card is a card stamped by the store and issued by our partner Citibank. The card is more orthodox in nature, but can only be used in Home Depot stores. The card is advantageous for those individuals who make consistent medium-sized purchases. Citibank also offers to let you know if you qualify for the credit card without it affecting your credit score.
Consumers can also have special financing offers that come along with the Home Depot consumer credit card. Special financing is a blessing for anyone who cannot pay all the amount completely. The consumers have the choice of paying back within a limited period of time with no interest.
Home Depot project loan cards
Home Depot project loan cards are cards that individuals can take up if they are engaging in large and bulky projects. They are not traditional credit cards, however, it helps you access funds from a consumer loan given by Home Depot parent company and the card can only be used at Home Depot and homedepot.com.
As stated above, the credit card gives it’s customers a large line of credit, 6 months to make purchases, and close to 7 years to pay them back. A Home Depot project loan card will be beneficial for you if you have a reasonable amount to spend on a project and do not want to pay any premium for the same.
Fees of Home Depot credit cards
There are different fees on different services when it comes to the different types of credit cards offered by us. As you are aware there, is no annual fee charged, a late fee of $39, minimum interest rates for consumer credit cards.
Drawbacks of Home Depot credit cards
There are a few setbacks of the Home Depot credit cards as well, which is being listed below-
- The cards can only be used at Home Depot stores and homedepot.com.
- There are no cashback or rewards as incentives.
- APRs on Home Depot consumer cards can be annoying if you are carrying a balance already.
Reward-Based credit cards
Check out rates at Home Depot stores, are usually more than other stores and for this very fact, we try and offer answers to ensure affordable APR’s.
Howbeit, we offer reward cards that have 0% APR rates, in case you do not need to spend huge amounts on the products.
If you go for reward cards, you can earn $150 statement credit if you make purchases above $1000. The card also has cashback incentives attached and there is no need to pay an annual fee.
How to apply for the Home Depot credit cards?
While applying for homeDepot credit cards online, you will be redirected to various pages for various types of cards.
For the Home Depot consumer card, you will be redirected to the page for Citibank applications. In the case of Home Depot project loan cards, you will be redirected to the page for THD loan/green sky applications.
In both of the above, all you will have to do is fill out the applications and submit them.
Log in and online account management
You can log into your account and check for your credit information at homedepot.com/mycard.
This account management portal for Home Depot consumer credit cards allows cardholders to perform the following actions:
- View account activity
- View billing statements
- Set up paperless statements and e-communications
- Make a payment
- Get exclusive offers
- Activate account alerts
The account management portal for Home Depot project loan cards allows cardholders to perform the following actions:
- Check account status
- Make payments
- Enroll in automatic payments
- Request a payoff
- Request copies of loan documents
From the above, you know that Home Depot offers two kinds of credit cards for its customers. The Home Depot consumer credit card and the Home Depot project loan card. It is now up to you to decide which credit card to choose and apply for in accordance with your needs. There are plenty of advantages attached to these cards and this can make your home improvement experience as easy and simple as possible. There are basic disadvantages to the cards which will not be of consequence if your projects need all that we can give. In case you don’t want to get the credit cards, we also offer reward cards. You can as well get any information concerning your credit account at homedepot.com/mycard.
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