What do my credit score need to be to get a Home Depot credit card?

640 or higher A FICO® Score of at least 600 is recommended to apply for the Home Depot® Credit Card -- ideally, a score of 640 or higher. Applicants who get this card usually have scores in the fair credit or good credit range.

fool.com - Home Depot Credit Card Review | The Ascent - The Motley Fool

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Top perks

The Home Depot® Credit Card has a few features that the retail giant's frequent shoppers will like.

Intro interest financing offers

There are no interest charges on purchases of $299 or more that you pay off within six months. During special promotions, this card offers up to 24 months of interest-free financing. If you often make large purchases at The Home Depot and need some time to pay them off, these financing offers are great for avoiding interest charges. One important thing to understand is that these are deferred interest offers. Deferred interest means if you don't pay off the purchase within the allotted time frame, you're charged interest going back to the purchase date. This can cost you a lot of money if you're unable to pay in full. Imagine you use your card's six-month financing on a $500 purchase. If there's any amount left after six months, even just $1, you'll be charged six months' worth of interest.

Up to $100 off a purchase

As an introductory offer, you get up to $100 off a purchase made in the first 30 days with the Home Depot® Credit Card. You can make the purchase in a store or on The Home Depot website. The amount of the discount depends on how much you spend. Here's how much you get based on the amount of the purchase:

$25 off a purchase of at least $25 but less than $300

$50 off a purchase of at least $300 but less than $999

$100 off on a single-receipt purchase of at least $1,000

This is a reasonable discount for a store credit card. However, it doesn't match the best credit card sign-up bonuses, so make sure to check those out if you're looking to get as much value as possible.

No annual fee

You can add this Home Depot® Credit Card to your wallet without any extra yearly costs, as it doesn't charge an annual fee.

One year to make returns

The Home Depot® Credit Card offers extended returns and an easier return process. When you pay with The Home Depot® Credit Card, you have 365 days from the date of purchase to receive a full refund, which is much longer than the standard 90 days The Home Depot normally offers. And if you're missing your receipt, The Home Depot may be able to locate it in its system.

Good for building credit

One of the challenges of increasing your credit score is finding a card you qualify for. Many require a high credit score, and those that don't often have all kinds of unnecessary fees. The Home Depot® Credit Card can be useful if you're working on your credit. It has lenient approval requirements, as many applicants with credit scores in the low- to mid-600s have been approved. Card activity is reported to all three consumer credit bureaus, so if you pay on time, it can help your credit.

Learn more: The Complete Guide to Understanding Your Credit Score

Special cardholder offers

Home Depot occasionally rolls out special offers for its cardholders. For example, it will sometimes offer 5% back as a statement credit on specific types of purchases.

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Does salt keep pipes from freezing?

Rock salt helps prevent freezing, so putting a mound of it beneath your drain pipe can help keep your pipes during the colder months.

morrisjenkins.com - Protect Your Home And Furnace From Freezing! - Morris-Jenkins

Grab your coat and bundle up…

Then go outside, walk around your house, and if you see a white PVC pipe that’s dripping water, you need to take action to prevent freezing! If you have a 90% efficient furnace, it’s creating water right now (about a pint per hour)! When it freezes, water backs up to your furnace and will shut your furnace off.

Prevent your furnace from shutting off by:

Locating your drain pipe somewhere around your house. Buying some Ice Melt/Rock Salt (found at local hardware stores) and put a handful of it in a mound underneath the drain line. Keep an eye on your drain pipe to make sure it doesn’t freeze This prevents the water from freezing back up to the water line, so your furnace can continue running to keep your home warm.

Recommended: “How to Prevent Plumbing Failure This Winter”

Step 1: Locate your drain pipe somewhere around your house

Step 2: Buy some Ice Melt/Rock Salt and put a mound of it beneath your drain pipe. Step 3: Keep an eye on your drain pipe to make sure it doesn’t freeze Read more about how to safeguard your home’s plumbing from freezing temps: Cold Weather Plumbing Tips

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