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If any electronic payment is returned unpaid by your financial institution for any reason, we may charge, and you agree to pay, a returned payment fee. You may also be charged a late fee based on the terms and conditions of your Card Agreement. Specifically for Home Depot’s professional customers, the Pro Xtra Commercial Revolving Charge Card allows authorized employees to use the card for company purchases at any U.S. To receive your legal notices electronically, your computer must be capable of printing or storing email, web pages and documents in PDF format and your browser must meet minimum system requirements. The scoring formula takes into account the type of card being reviewed and the card's rates, fees, rewards and other features.
This return policy is a significant benefit considering the limited time window for non-member purchase returns is 90 days after the purchase date. A charge card is a type of electronic payment card that charges no interest but requires that the statement balance be paid in full. The 0% financing makes for a great headline, but it’s only free if you follow the rules. Like any other “deferred interest” promotion, 0% for six months means that you have to pay the balance in full before the six months run out.
How Do I Apply For a Home Depot Credit Card?
For purchases of more than $299, Home Depot offers 0% interest for six months and other promotions throughout the year. The Home Depot consumer credit card offers an initial zero-percent interest rate for six months on purchases above $299. As of February 2021, Home Depot is also offering various rewards to consumers, including discounts and statement credit for certain purchases.
This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions.
Credit Card Paperless Statements and E-Communications Authorization
If you’re even one day late, Citi will charge you the full interest amount for the past six months—as if the promotion never existed. To initiate an electronic payment from my bank account and I authorize my bank to honor the withdrawal. This authority is for the The Home Depot® Consumer Credit Card account noted above and is to remain in effect until canceled in writing by Citibank, N.A., my financial institution, or me.
That’s because the store-branded card doesn't earn ongoing rewards and offers little in the way of perks. Even the most loyal Home Depot fan would probably be better off with a flat-rate cash-back or rewards card. But it's not a true 0% offer, and you won't earn any ongoing rewards. Given the two commercial Home Depot credit options discussed, the choice comes down to business needs. Although hardware and home improvement stores are popular among consumers, they are often industry-specific for businesses. The Home Depot card offers APRs of 17.99%, 21.99%, 25.99%, or 26.99%, based on creditworthiness.
Itemized statements and purchase tracking
If you’re an avid Home Depot shopper, the card may make sense for you. The card does not offer any cash back, but it could be enticing for those interested in the introduction offers currently being made. With that, consumers may want to consider one of the best cash back credit cards if they are going to be shopping at the home improvement store for routine fixes. If you choose to receive legal notices 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. NerdWallet strives to keep its information accurate and up to date.
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If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. Can help you finance a big home project; in fact, that's its primary selling point. It offers six months of deferred interest on purchases of $299 or more.
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