The Home Depot

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Description

When The Home Depot was founded in 1978, Bernie Marcus and Arthur Blank had no idea how revolutionary this new “hardware store” would be for home improvement and the retail industry.

Today, we’re proud to be the world’s largest home improvement retailer. In more than 2,200 stores across North America, we aspire to excel in service – to our customers, associates, communities and shareholders. That’s what leadership means to us. That's The Home Depot difference.

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Phone Number
(866) 466-3337

Minimum Requirements

Commercial Account (Pay In Full Terms)

  • Entity in good standing with Secretary of State
  • EIN number with IRS
  • Business address- matching everywhere.
  • D&B number
  • Business License- if applicable
  • Business Bank account
  • They like to see minimum 2 accounts reporting, but look at merit of overall application
  • Must have a minimum of 10 employees
  • Business Phone Number Listed in 411
  • At least 3 years in the business.
  • Can request Net 60 after account is established
  • If not enough business credit history or been in business for less than 3 years, a Personal Guarantee(PG) is required.Commercial Revolving Charge Account
  • Entity in good standing with Secretary of State
  • EIN number with IRS
  • Business address- matching everywhere.
  • D&B number
  • Business License- if applicable
  • Business Bank account
  • Business Phone Number Listed in 411
  • No minimum time in business
  • A Personal Guarantee (PG) is required

How to Apply

Apply Online or in store

Apply
Phone Number
(866) 466-3337

Benefits

Low monthly payments with the Commercial Revolving Charge Card.

  • Payment flexibility to allow you to make low monthly payments or pay in full each month
  • Authorized user cards - Issue cards to employees entrusted to make purchases on your account.
  • Itemized Statements - Easy-to-read, itemized billing statements organized by product number
  • Easy Purchase Tracking - Track purchases by PO number, job name, or job number
  • Online Account Management - View, manage and pay your account online, from anywhere
  • 1 Year to Make Returns‡ - 4X longer to make returns, just for being a cardmember. ‡Refer to The Home Depot Returns Policy for details.
  • Pro Xtra Membership
  • Fuel Savings† †See homedepot.com/cardbenefits for participating stations.
  • 60 Days with no interest on every purchase. 2X longer to pay lets you optimize your cash flow. Minimum monthly payments required for Commercial Revolving Charge
  • Choose between Net 30 or Net 60 Terms

1-800-685-6691

Pay in full each month with the Commercial Account.

  • Payment due in full each month
  • Buyer ID Cards - Authorize users to make purchases with spending limits and get detailed purchase info
  • Pay by Invoice - Optimize cash flow with the flexibility to itemize and pay invoices
  • Itemized Statements - Easy-to-read, itemized billing statements organized by product number
  • Easy Purchase Tracking - Track purchases by PO number, job name, or job number
  • Online Account Management - View, manage and pay your account online, from anywhere
  • 1 Year to Make Returns‡ - 4X longer to make returns, just for being a cardmember. ‡Refer to The Home Depot Returns Policy for details.
  • Pro Xtra Membership
  • Fuel Savings† †See homedepot.com/cardbenefits for participating stations
  • 60 Days with no interest on every purchase. 2X longer to pay lets you optimize your cash flow.

1-800-395-7363

Fees

Commercial Revolving Charge Card

  • Minimum Finance Charge: $1.00
  • Annual Fees: None
  • Other Fees: Up to $40.00

Commercial Account

  • Minimum finance charge: None
  • Annual Fees: None
  • Other Fees
  • Late Fee
  • $20.00 on balances up to $100.00
  • $35 on balances of $100 and over

Rates

Commercial Revolving Charge Card

  • APR for Purchases: 21.99%
  • Other APRs
  • Default APR: 26.99% (but 20.00% if billing address in GA or NC at account opening)
  • Grace period for repayment of the balance for purchases
  • ** **At least 20 days if you pay the total balance in full by the due date every billing period. If you do not, you will not get a grace period
  • Method of computing the balance for purchases: Average daily balance. This includes new purchases.

Commercial Account

  • APR for Purchases: N/A.
  • All charges are due and payable by the payment due date shown on your billing statement.
  • Other APRs: N/A.
  • All charges are due and payable by the payment due date shown on your billing statement.
  • Grace period for repayment of the balance for purchases: N/A
  • All charges are due and payable by the payment due date shown on your billing statement.
  • Method of computing the balance for purchases: N/A.
  • All charges are due and payable by the payment due date shown on your billing statement.

How can your actions trigger the default APR? If you default under any card agreement you have with us because you

  • do not make the minimum payment when due and
  • it remains unpaid on the next due dateall your APRs may automatically increase to the default APR.
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