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Just got it in February and they started me off with a limit that actually allows me to make a purchase without maxing out my card. I don't think it will ever really grow, considering I'm still at opening limit and not taking any more hard pulls for them. That's why we require you to use a browser with 128-bit security encryption to proceed with your application. This protection helps to ensures that the information you send and receive will remain confidential. Now discover a whole new online account, built to give you more control over your card and your time.
The store is notorious for processing returns that are not properly processed. They also require valid photo identification for non-received returns. Before you can apply for a Home Depot credit card, you should know the rules. Home Depot credit card applicants must have fair or better credit. This credit card offers 0% interest for six to 12 months, making it a good way to establish credit. Plus, this credit card reports to several credit bureaus, so you can build a strong credit history with this card.
Things to Know About the Home Depot Credit Card
During special promotional periods, you may qualify for up to 24 months of no interest on certain larger purchases. WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution.
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For other pages, please let us know via email, we will check and give you a reply. The only reason I applied for the HD card was because I had the chance to save $75 if I was approved. Opportunities to provide feedback or complete online surveys, so you can tell us what you think. I have a home depot card and it's my second oldest card, but I rarely need anything at Home Depot and when I do go I prefer to use cards with cashback . We reserve the right to terminate the alerting service, in whole or in part, at any time without notice.
In order to limit store traffic, we ask that customers refrain from making in-store returns at this time. Returns within 180 days of purchase and with a valid sales receipt will be exchanged, refunded in cash, credited to your account or refunded via The Home Depot store credit. Please ask questions and contribute to the knowledge surrounding credit cards. The payment cutoff time for Online Bill and Phone Payments is midnight ET.
How Do I Cancel My Home Depot Credit Card?
You’ll have 15 months of 0% APR on new purchases and balance transfers, then a regular variable APR of 17.99% – 27.99%. Plus, you’ll 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. Home Depot’s retail card and project loan aren’t the only ways you can save on your next project using a credit card. Before you apply, consider whether a general credit card with a 0% introductory APR on purchases or a card that earns rewards at home improvement stores may better suit your needs.
Canceling unused cards will protect you from fraud and hacking, and protect your loved one’s estate from the same. It won’t take very long to complete, and you’ll be glad you did. Once the certificate copy is received and approved, the service representative will cancel the account. In addition to the account number and billing address, you’ll need a copy of their death certificate. A death certificate copy is always required when closing financial accounts such as credit cards. I agree to receive my billing statements electronically as available.
If you cancel your card after that date, you will be subject to higher charges. In addition, cancelling a card could affect the payment process or an ongoing home project. If you choose to receive legal notices and statements electronically and then want a paper notice, call us at the number on the back of your card and we will mail it to you. Your chances of being able to cancel a credit card transaction made online figure to be especially good.
The main benefit of this card is special financing on purchases of $299 or more, ideal if you’re buying an appliance, or need to stock up on supplies for your project. Canceling a deceased loved one’s Home Depot credit card is just about as simple as canceling your own. There will be a few extra steps, but as long as you gather all the required information, this to-do can be crossed off your list in just a half-hour. I made a $1180 payment on my Home Depot account on line but it inadvertently was sent to a closed account .
The Home Depot Consumer Credit Card doesn’t 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. Make sure you have a plan to pay off your balance in full during the financing period, because once it’s done your balance will be subject to the ongoing variable 17.99%-26.99% APR. This is definitely worth considering if your card does not charge an annual fee.
While it takes a few days for Home Depot to process your return, you can be sure that you’ll get your money back in a timely manner. There are a few things to consider before canceling a Home Depot credit card. This card does not have an annual fee, so canceling it may not hurt your credit. However, it will decrease the available credit on your account, which can harm your credit score. If you are not currently paying a balance, it might be better to leave the card open.
You can, however, get 5% off of larger purchases by using your Lowe’s Advantage card. You can then choose between the two options based on your financial situation. If you are considering applying for a Home Depot credit card, you should be aware of some of the fine print.
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