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.
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.
- No credit score impact: This online check is a soft credit inquiry, so it will not affect your credit score.
- Not a guaranteed approval: Pre-qualification means your chances of approval are high, but it does not guarantee final approval.
2. Invitation code from a mail offer:
If you received a pre-approved offer in the mail, you must follow the specific instructions on the mailer.
- The mail offer will provide a specific website address (homedepot.com/applynow) and an invitation code.
- 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:
- Complete the formal application: If you decide to move forward, complete the full application. This process involves a hard credit inquiry, which may temporarily lower your credit score by a few points.
- Get an immediate decision: In many cases, you will receive a decision right away after submitting the online application.
- 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 Score Facts
- Three-Digit Number: Like other credit scores, FICO® Scores are a three-digit number that summarizes a consumer's credit risk.
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