HomeDepot.Com/ApplyNow Invitation Code
Home Depot credit card pre-approval with an invitation code is handled through Citibank, the card's issuer. The specific URL for responding to a pre-approved mail offer is homedepot.com/applynow.
Here is how the pre-qualification and application process works:
Two ways to check for pre-approval
1. Online pre-qualification (no invitation code needed): To see if you are pre-qualified without a mail offer, you can visit Citibank's website directly. This process requires you to enter personal information, including your name, address, phone number, and the last four digits of your Social Security number.- 1. No credit score impact: This online check is a soft credit inquiry, so it will not affect your credit score.
2. Not a guaranteed approval: Pre-qualification means your chances of approval are high, but it does not guarantee final approval.
- 1. The mail offer will provide a specific website address (homedepot.com/applynow) and an invitation code.
2. This code allows Citibank to automatically flag your application as pre-approved when you apply online.
How to apply after getting pre-approval
Whether you used the online tool or a mail offer, the next steps are the same:1. Complete the formal application: If you decide to move forward, you will complete the full application. This process involves a hard credit inquiry, which may temporarily lower your credit score by a few points.
2. Get an immediate decision: In many cases, you will receive a decision right away after submitting the online application.
3. Use your temporary card: If approved, you can get a temporary account number to use in-store while you wait for your physical card to arrive by mail.
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FICO Credit Scores
A credit score is a number generally between 300-850, based on a statistical analysis of a person's credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is--the higher the score, the less risk the individual poses to creditors. In most cases, your credit score will determine whether you will be approved for a credit card.
What is a Credit Score?
A credit score is a number generally between 300-850, based on a statistical analysis of a person's credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is--the higher the score, the less risk the individual poses to creditors. In most cases, your credit score will determine whether you will be approved for a credit card.
Credit Score Facts
- Credit Scores range from 300-850, the higher the better.
- Most lenders base approval on your credit score.
- Higher Scores mean lower payments and better deals.
- Higher Scores mean Lower interest rates.
- Scores are determined by 5 main categories:
- Payment History
- Amounts Owed
- Length of Credit History
- Type of Credit Used
- New Credit
Note: Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card product.
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*See the online credit card applications for details about terms and conditions of credit card offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the " Apply Now " button you can review the credit card terms and conditions on the credit card issuer's web site.
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