Don’t bother. I had this card for years and made some really big purchases on it. I always paid it off before I could be charged interest and was never late. Their way of thanking me for being a good customer was to raise my interest to 26% and then close my account out of the blue. There are much better rewards cards out there.

When we first applied they gave a credit limit of $6000 we made a few small purchases. Payed on time every month. We were going to make a large purchase and found out they lowered the limit to $1500 which which was exactly what our balance was so our utilization was maxed. They gave no reason for lowering the credit limit. Scam company and a crappy store.

This home depot card service has been a nightmare

Received a letter threatening to decrease my credit limit in half because I hadn't use it in 10 months. Called customer service to stop them. They said they cannot stop it because it is automatic. They also said that I was required to purchase something to keep it from happening. What? Forcing me to purchase something?

It’s an okay card. Just pay on time and spend over $200 to get interest free purchases. I get interest free offers and 10% off about once a month.

Worst customer service of my life. After multiple phone calls, going to the store, and then more calls, I'm going with a different card. I was told different stories from different representatives, depends on who you get on the phone. Ultimately they lost a good customer over extremely poor service.

I've been a homeowner in the same house for 17 years .. Some how I've managed to make repairs avoiding credit. The ONE TIME I decide to do a small improvement less than $2000 .. I applied and was denied ... The reason was because they said my income didn't meet standards. After asking my zip code .. Yeah ok. BTW I applied at the counter in the store ... Proudly paid cash for my purchase. Be truthful .. stop reaching .. when you really based your decision off my zip code.

Got the Home depot card in Nov. Applied for it in store on cash register, took all of 5 minutes. Credit limit of $500. Have used every month since, credit increase in Feb. of $250. Never asked just increased on own. I pay over monthly minimum & pay off in under six months. I am very pleased with my card.

This card seemed good at first. They gave me a $1000 limit with a 740 score. Got another card at the same time that gave me $4000. I thought, “well I can always get an increase later”. Good luck. It’s been two years of faithful payments. Just asked for an increase and they did a hard inquiry (only card I know that does this) and then declined my request. Customer service was as helpful as my cat when I ask him to take out the trash. Probably won’t be using it much anymore

I just read on here where somebody said the credit limits are tiny I just got approved and my credit limit is 8000. Find average credit score is in the mid-1700s