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There are also other special offers that are available for limited periods. These include 12 months special financing on appliances and other house installations at certain prices. However, conditions still apply with regards to paying off your balance within the allotted time frame, else you have to deal with deferred interest. Getting approved for a credit card requires a little planning. So, when applying for new credit, it’s essential to know your credit scores and what’s on your credit reports. Zales credit card payments can be made online, by mail and over the phone.
Do take note that although Home Depot offers 0% interest for its credit cards, it is, essentially, conditional. You can enjoy 0% interest only if you manage to make your payment within the six-month period. Failure to do so will result in paying the full interest rate. We send cardholders various types of legal notices, including notices of increases or decreases in credit lines, privacy notices, account updates and statements. Currently, we can provide some of these legal notices, including statements, electronically.
How to apply for a Home Depot® Credit Card:
Log in to your Home Depot Account online and click on the “Statements” tab from the “Account Activity” menu. You will then be granted access to your statement in PDF format. Print out the PDF file to include the necessary information in your mail. Then, contact the credit bureau to dispute any errors and re-check your credit report before reapplying.
Cardholders can benefit from savings of $0.10 per gallon when they fuel up at select gas stations. This is for every $100 that cardholders spend on Home Depot purchases. Though it is called a “charge card,” it functions a little differently next to other regular charge cards. Upon approval of your loan application, you will be provided with an 84-month schedule to pay back your loan.
What Bank Issues The Card?
If you’re using too much of your existing revolving credit, it’s a sign that you may not pay them back. You’ll also want to make sure you haven’t applied for too much credit in the recent past. Having too many credit inquiries can lessen your chances of getting approved.
We are working towards being able to provide all of these legal notices electronically. When we are able to provide all legal notices electronically, we will notify you by email. In the meantime, if you choose to receive legal notices electronically, you will need to monitor both your U.S. postal mailbox and your email inbox for legal notices. Benefits and fuel savings are based on qualifying purchase amounts. The limitations for the promotional period are different from regular credit cards, which offer 0% APR for several months. If you still have a balance after the end of these introductory periods, you only pay interest on your outstanding balance.
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The payment interest rates were discussed above, but it is important to note that neither credit option has an annual fee. Business cardholders who qualify will enjoy the benefit of having 60 days without interest on purchases. In terms of credit options, both cards boast many of the same benefits. Image by mycreditcards.net on PinterestYou can apply for Home Depot credit cards online or in person.
Credit Card Paperless Statements and E-Communications Authorization
Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status and housing status. Aside from the Consumer Home Depot® Credit Card, there are a few other options. A credit card rejection doesn’t mean you’ll never get approved.
This return policy is a significant benefit considering the limited time window for non-member purchase returns is 90 days after the purchase date. The Home Depot Credit Card interest rate is a range between 17.99% and 26.99% depending on your creditworthiness. But, three of the four levels are over 21% (21.99%, 25.99%, 26.99%). This is towards the high end of the typical spectrum of interest rates for credit cards. As a new Home Depot cardholder, you will receive $25 off your first purchase if you spend up to $999.
I agree to receive my billing statements and other legal notices electronically as available. I understand that when I receive an electronic notice it will replace a paper copy. We will send notifications regarding the availability of your statement online and legal notices to the email address you provided to us until you contact us to change it.
That is why we require you to use a browser with 128-bit security encryption to proceed with your application. This protection helps to ensure that the information you send and receive will remain confidential. 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. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.
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