Have you ever heard of The Home Depot Home Improver Card? If not, you’re definitely not alone. Home Depot’s most elusive credit card, The Home Improver Card is available exclusively to Home Depot customers and can only be attained through a direct offer from a Home Depot employee.
Most people are probably familiar with the fact that The Home Depot offers a range of credit cards to their consumers. Most of these cards are issued by Citibank and can be managed either online or in person at any Home Depot location.
The Home Depot Home Improver Card, however, is an alternate credit card available to customers who do not qualify for HD’s major Citibank-issued credit cards. Home Depot does not advertise or publicly share any information about this card, so it’s unclear exactly what the application process entails, what the credit limits are, etc.
That said, we’ve gathered as much information about this mysterious card as we could, so keep reading.
Contents
Who Is Eligible To Get It?
Home Improver Cards are only available to Home Depot shoppers who do not qualify for Home Depot’s other major credit cards.
Unfortunately, the only way to get a Home Improver Card is to be offered one by a Home Depot employee.
Benefits Of A Home Improver Card
The Home Depot Home Improver Card has a few benefits, including:
- It’s more accessible and easier to get approved for than Home Depot’s other credit cards
- It allows Home Depot shoppers to make purchases even if they can’t pay in full at the time of purchase
- It can help shoppers build credit and improve their credit score if they stick to their payment schedule and don’t exceed their credit limit
How Does the Card Work?
The Home Improver Card works in mysterious ways. Unlike Home Depot’s other credit cards, it cannot be applied for online and is only offered to existing Home Depot customers at Home Depot stores.
When a customer applies for a Home Depot Credit Card but cannot clear the credit application, they might be offered a Home Improver Card as an alternative. In this case, you will receive instant approval. Then, you will simply have to activate your card online before you can begin shopping.
All Home Depot Credit Cards require a hard credit check. However, the Home Improver Card is issued by smaller banks that accept a lower credit threshold than Citibank, which issues Home Depot’s other credit cards.
Activating The Card
To activate your Home Improver card, click here.
You will be prompted to enter your card number, the last 4 digits of your social security number, and your date of birth.
Does The Card Provide Extended Financing?
This information is difficult to attain due to Home Depot’s secrecy around these cards. However, according to some former Home Depot employees on Reddit, Home Improver Card users do not enjoy special or extended financing.
Where Can You Use the Home Improver Card?
The Home Depot Home Improver Card is the most restricted of all of the credit cards offered by Home Depot. Unfortunately, this card can only be used to make purchases from The Home Depot, both in store and online.
However, this is true of all Home Depot-issued credit cards.
How To Get A Home Improver Card?
Unlike their other credit card options, The Home Depot does not advertise or promote their Home Improver Card. This is because it is regarded as an alternative to their other credit cards for shoppers who cannot qualify through a credit check for the higher-limit cards.
With all that in mind, the only real way to get a Home Depot Home Improver Card is to be offered one by a Home Depot employee. This often happens if you’re denied approval for another Home Depot Credit Card, such as the Home Depot Consumer Card.
Technically, Home Depot employees are not supposed to discuss the Home Improver Card with customers unless prompted by Home Depot’s internal computer system.
How To Manage the Cards?
One of the major drawbacks of a Home Improver Card is that you cannot pay your balance at Home Depot the way you can with their other credit cards. Instead, payments must be sent directly to the issuing bank. When you receive your card, you will be provided with the information you’ll need to check and/or pay your balance.
If at any time you are having trouble with your Home Depot Home Improver Card, you can contact customer service at 1.888.413.1083. They can assist you with checking your balance and making payments.
What Can You Buy With A Home Improver Card?
A Home Improver Card can be used to purchase anything from Home Depot, both in store and online. As long as you do not exceed your credit limit, you can use your Home Improver Card for anything available at Home Depot.
This includes but is not limited to:
- Tools
- Lumber
- Building materials
- Hardware
- Appliances
- Fixtures
How Does it Differ From Other Credit Cards?
The Home Improver Card differs from other Home Depot Credit Cards in the following ways:
- It offers lower credit limits
- It is only available to certain customers when offered by Home Depot employees
- It is issued by a pool of small banks (not Citibank)
The Home Improver Card also differs greatly from major credit cards in that it can only be used at Home Depot or on HomeDepot.com.
FAQs
What is the highest credit limit on a Home Depot Home Improver Card?
Home Depot is very serious about not advertising or publicizing any information about their Home Improver Card online. So, unfortunately, it’s next to impossible to say what the max credit limit is for these cards. According to first-hand accounts online, the highest credit limit we’ve heard for a Home Improver Card is $3000.
Does the Home Depot Improver Card help build credit?
Like with any other credit card, the Home Improver Card is operated by a bank that extends credit to its customers. By making payments on time and keeping your line of credit well below your maximum, you can build up or improve your credit score by shopping with your Home Improver Card.
What is the starting limit of a Home Depot Improver Card?
Home Depot’s other major credit cards have a starting credit limit of $300. However, we could not confirm whether this is true for the Home Improver Card.
What bank issues the Home Depot Improver card?
The Home Improver Card is issued by one of six banks nationwide, but it is unclear which banks these are. One thing is clear–Citibank does not issue the Home Improver Card.
How much is the annual fee for the Home Depot Home Improver Card?
The Home Depot Home Improver Card has no annual fee.
Confusion
The Home Depot Home Improver Card is a Home Depot-exclusive credit card issued by third-party banks separate from Home Depot’s main credit partner, Citibank. The Home Improver Card is only available to Home Depot customers and cannot be volunteered for or applied for online. The Home Improver Card is most often offered to Home Depot customers who are denied approval for Home Depot’s Citibank-issued cards.
