What Credit Bureau Does Home Depot Use

The Home Depot Consumer Credit Carte du jour

Overall card rating

2.iii

from Credit Karma members

Most helpful positive review

Not bad for a shop card.

Credit Karma Member

Ok so first off, information technology'south actually a CITI carte in disguise. I saw someone else say the available credit was tiny but even with marginal at all-time credit at the time, i was given a limit of $2000 and i'm pretty sure 10% off of my purchase or some such. It automatically gives you lot half dozen months aforementioned equally cash when you buy over a certain dollar amount but this doesn't hateful you don't have a monthly payment in the hateful time. It just means there is no interest. At that place also is no annual fee and it'south possible to use the card in store without the actual carte as long as you have ID. They aren't messing effectually though: A credit increase bank check is a hard bank check merely those really don't affect your score that much anyway. The biggest touch on is avaiable credit and percentage of credit and this bill of fare raised my score 75 points getting information technology.

Virtually helpful negative review

Increased credit limit

Credit Karma Fellow member

Never click on the link whereby the website asks if y'all want to increase your credit limit. Unlike Bank of America, Dwelling house Depot runs a HARD credit research which showed up immediately on Credit Karma. I called customer service immediately and was told information technology was also late to do annihilation about it.

Member ratings

All member reviews (126)

5 stars

4 stars

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ii stars

1 stars

Expert card to accept

Credit Karma Member

Got the Abode depot menu in Nov. Applied for information technology in shop on cash register, took all of 5 minutes. Credit limit of $500. Have used every month since, credit increase in Feb. of $250. Never asked just increased on own. I pay over monthly minimum & pay off in under vi months. I am very pleased with my bill of fare.

Crappy limit, crappy customer service, overall bla

Credit Karma Member

This carte du jour seemed good at get-go. They gave me a $one thousand limit with a 740 score. Got another menu at the aforementioned time that gave me $4000. I thought, "well I can ever get an increase after". Practiced luck. It's been two years of true-blue payments. Just asked for an increase and they did a hard enquiry (only card I know that does this) and so declined my request. Customer service was as helpful as my cat when I ask him to accept out the trash. Probably won't exist using it much anymore

Credit limits

Credit Karma Fellow member

I merely read on here where somebody said the credit limits are tiny I just got canonical and my credit limit is 8000. Notice average credit score is in the mid-1700s

Horrible.

Credit Karma Member

They literally didn't take my payment two months in a row. Causing them to review my credit worthiness.. then lowered my available credit which destroyed my credit score. Then told me to request my available credit to be raised once more through a no guarantee procedure. Which they won't considering they just screwed upwardly your credit score. They create a problem they accept no mode to remedy. Worst credit card ever.

credit section very rude and absolutly worthles

Credit Karma Member

credit limit lowered significantly called credit department which was rude and and a waste of time.had this card since 2018.never late.told credit client service if we could non resolve this i would never set foot in abode depot once again and she said nix to resolve.very poor client relations.user beware

Apparently insufficient credit history

Credit Karma Member

Accept had credit cards for over x years with credit score in high to mid 700s. Was denied card application for "insufficient credit history". Put a hard inquiry on my credit for a carte du jour i was "pre-approved" for though.

CitiBank SUCKS!!

Credit Karma Member

I accept an 800+ credit score...They lower limits whenever they want and score took a hitting for being RESPONSIBLE!! Total BS!! ????

The absolute worst card ever.

Credit Karma Member

I was told it would accept five min to get approved. It took over an hour. Got approved for 5k. Citibank never sent a card or argument, and rung my phone off the hook. Customer service is horrible. Will pay balance and shut account.

659/641/617 Scores

Credit Karma Fellow member

I applied for the menu while in the process of rebuilding my credit. I received $500 limit when I opened the bill of fare. I have never carried a balance. I pay off the card every month before the statement closes and then a $0 balance appears on my statements. I applied for $250 credit limit increase in September. They approved me for $300. I applied for another $200 increase in October and they approved. I used the online website to utilize for credit limit increases. After two years of owning this account my limit has increased from $500 to $1,000 which I am very happy with. I am working hard to rebuild my credit back to the 700s.

Absolutely Horrible

Credit Karma Member

Home Depot approaches you and sells you this menu every bit the greatest thing since sliced cheese. The rewards and point programs are minimal and pale in comparison to most reputable crads. If you don't apply it, they twist your arm behind your dorsum and lower your credit limit or close your menu, of course adversely affecting your credit score. Don't go this card!

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