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However, according to some former Home Depot employees on Reddit, Home Improver Card users do not enjoy special or extended financing. This information is difficult to attain due to Home Depot’s secrecy around these cards. Does The Card Provide Extended Financing? You will be prompted to enter your card number, the last 4 digits of your social security number, and your date of birth. To activate your Home Improver card, click here. 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. Then, you will simply have to activate your card online before you can begin shopping.Īll Home Depot Credit Cards require a hard credit check. In this case, you will receive instant approval.

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. 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. The Home Improver Card works in mysterious ways.

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.

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It allows Home Depot shoppers to make purchases even if they can’t pay in full at the time of purchase.

It’s more accessible and easier to get approved for than Home Depot’s other credit cards.

The Home Depot Home Improver Card has a few benefits, including:

Unfortunately, the only way to get a Home Improver Card is to be offered one by a Home Depot employee. Home Improver Cards are only available to Home Depot shoppers who do not qualify for Home Depot’s other major credit cards. 7 How Does it Differ From Other Credit Cards?.6 What Can You Buy With A Home Improver Card?.4 Where Can You Use the Home Improver Card?.