What credit score is needed for a Home Depot commercial account?

640+ credit score
That’s the case for both the Home Depot® Credit Card and the Home Depot® Business Credit Card. Both Home Depot credit cards are store cards, meaning they can be used only at Home Depot. Their 640+ credit score requirement is consistent with that of other store credit cards.

Does Home Depot offer business credit cards?

For businesses exploring credit options in the hardware and home improvement industry, Home Depot offers two CitiBank-issued commercial credit options in the form of in-store credit cards. Home Depot’s two card options are its Pro Xtra Credit Card (Commercial Revolving Charge) and its Commercial Account Card.

Does Home Depot business credit card do a hard inquiry?

Most helpful negative review Unlike Bank of America, Home Depot runs a HARD credit inquiry which showed up immediately on Credit Karma.

Does Home Depot do commercial accounts?

What is a Home Depot Business Account? A Home Depot business account is an account offered by the company, exclusive to businesses. The commercial tradelines charge no annual fees, include flexible payment options, itemized billing statements, and online account management. Learn more about the specific options.

What bank does Home Depot use?

Citibank
About the card The Home Depot Consumer Credit Card can only be used on purchases at Home Depot. The card is issued by Citibank and offers different financing options. If you plan on making a large purchase, this card provides financing options based on the price of the purchase.

What is the Home Depot Commercial credit card?

The Pro Xtra Credit Card offers rewards and low monthly payments. Or, choose The Home Depot Commercial Account. You pay the balance in full each month, with the ability to itemize and pay by invoice, and you can issue buyer ID cards with set spending limits and detailed purchase information to key employees.

Does Home Depot do a hard inquiry for credit line increase?

Increased credit limit Unlike Bank of America, Home Depot runs a HARD credit inquiry which showed up immediately on Credit Karma.

How do you get approved for a Home Depot commercial account?

You can apply for the Home Depot® Business Credit Card online on Home Depot’s website or in your nearest Home Depot store. You’ll need a credit score of at least 640 (fair credit) to be considered eligible for a new account.

How hard is it to get Home Depot financing?

You’ll need at least fair credit – a credit score of 640 or higher – for approval. If you have fair credit, you may end up with an APR on the higher end of the range. It’s worth mentioning that the Home Depot® Credit Card offers a financing offer of 0% for 6 – 24 months on purchases.