If you don't use it, they twist your arm behind your back and lower your credit limit or close your card, of course adversely affecting your credit score. This card offers a few benefits, but I don’t recommend it for shopping at The Home Depot unless you absolutely can’t get a different rewards card. That’s about it as far as rewards and discounts go, however. On purchases of $299 or more, the Home Depot® Consumer Credit Card will charge no interest for six months. Submit an application for a Home Depot credit card now. I paid the card off consistently. Manage your Home Depot credit card account online, any time, using any device. I had a $12000.00 credit limit on my Home Depot credit card (citibank). Home Depot approaches you and sells you this card as the greatest thing since sliced cheese. I had a $12000.00 credit limit on my Home Depot credit card (citibank). There is no reward program and no special discounts available for Home Depot card holders. does that mean i was denied or has anyone gone through this my limit is $500 and wanted $500 more thank you for your time 682 average credit score, approval status, credit limits and more. This card offers 6 months financing on eligible purchases of $299 or more, and zero liability protection on unauthorized charges. I could ask for more but it would require a credit review, which includes a credit report hard inquiry, which would decrease my score. Offer is for new accounts, is subject to credit approval and valid 1/30–7/29/2020. I have a 749 credit score and my income has increased. The rewards and point programs are minimal and pale in comparison to most reputable crads. No credit issues and low or no balances on my other cards and they reduce my credit limit to $1200.00 and told me it was because of the credit … The Home Depot Consumer Credit Card is one of the more difficult store cards to obtain with poor credit, as it typically prefers credit scores above 650. However, if you also have a Lowe’s credit card, the Home Depot will match Lowes’ 5% discount if you show the Lowes card when you make your purchase. This is Ingar. The Home Depot Consumer Credit Card is a store credit card issued by Home Depot. All three Home Depot credit cards are store cards, meaning they can be used only at Home Depot. I paid the card off consistently. Home Depot® Consumer Credit Card. A 13.75% increase in the limit of my card with no risk involved. Some cardholders have reported limits as high as $7,000, but there's no way to know exactly where you fit. I don't need the credit limit for the limit, so I stop. That’s the case for the Home Depot Credit Card and the two Home Depot business credit cards. It took 10 seconds and my credit limit went from $16,000 to $18,200 with no credit pull. Simply go into your local Home Depot store and talk to the person behind the customer service desk and tell them what you need. Our analysis also discusses the Home Depot Consumer Credit Card's features versus other cards like the Lowes Card and the Discover it. The Home Depot Credit Card cardholder application results. We reviewed the Home Depot Consumer Credit Card to find out if it’s worthwhile to get, who it would be the best for, and how to get the most value out of it. Your credit history and disposable income will be the main factors which determine it. Their 640+ credit score requirement is consistent with that of other store credit cards. You can also take a look at The Home Depot Project Loan, but it doesn’t offer much better terms (though you can get a very high credit limit). Citi says the minimum credit limit for the Home Depot Credit Card is $500. I have a 749 credit score and my income has increased. 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. I paid the card off consistently. In another departure from the usual store card, however, you can check to see if you're pre-qualified for the Home Depot card before you apply.