Q&A: What credit score do you need for a Home Depot® credit card?

Updated on April 19, 2024

Question: What credit score do you need for a Home Depot® credit card?

Answer: Home Depot offers a couple of credit card options, primarily the Consumer Credit Card for individual shoppers and the Commercial Credit Card for businesses. For the Consumer Credit Card, many applicants have mentioned being approved with a credit score in the fair range, often starting in the mid-600s and up. However, as with most credit cards, the higher your score, the better your chances.

For the Commercial Credit Card, the requirements might be a tad different since they also consider the financial health of the business applying. But again, a score in the mid-600s is often seen as a starting point.

But here’s the thing: credit score isn’t the only game in town. Home Depot’s financing partners will also look at your income, employment history, payment history, and overall debt. So, even if you’re rocking a decent score, other factors could influence the decision. On the flip side, if your score is a smidge below the typical range but everything else looks solid, you might still be in the running.

If you’re considering applying, it’s always a smart move to peek at your credit report first. Make sure everything looks accurate and maybe even look for ways to give your score a little boost. And just a heads up, each credit card application can result in a hard inquiry, which might dip your score for a short while.

Hope that clears things up! Need info on anything else? Just holler!

Stilt, Inc. and its affiliates do not provide financial, tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own financial, tax, legal and accounting advisors before engaging in any transaction.

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Frank Gogol

I’m a firm believer that information is the key to financial freedom. On the Stilt Blog, I write about the complex topics — like finance, immigration, and technology — to help immigrants make the most of their lives in the U.S. Our content and brand have been featured in Forbes, TechCrunch, VentureBeat, and more.

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