Anyone use a Home Depot or Lowes Commercial Credit Card

[Prashant P.]

I am starting a new rehab and was considering applying for a Home Depot commerical credit card. The reason was two fold. The first being I can build credit for my LLC. The second being I could use any financing deals they offer.

Anyone have any expierence with a Lowes or HD credit card. Are there any better options?

[Dusty Bowling]

I'm a new guy to the site but here is what I've learned over the past few years flipping exclusively with my cards.
1. all 3 stores will match each other all you have to do is ask. That includes credit offers, 0 percent interest for 18 months, 5 percent off over 299 just ask before paying
2. always use 10% coupons, all 3 stores will match, you can buy these off ebay for around 1.00 a piece just enter lowes discount coupon.
3. home depot has a paint contractor club. It starts at 10% off and the more you spend on in paint in a year it goes up. I believe up to 30% off. All you have to do is ask the service desk to put you on the list, and make sure when you check out tell them you are in the contractor club.
4. Menards offers free local delivery to contractors if you spend over 1,000. All you have to do is sign up for a contractor account which is free. All 3 stores will match this just tell them prior to paying.
5. If your credit cards do run over the promotion period and you get stuck with 25% of back interest back to the beginning of purchase, all offer 1 month grace autoamtically if you pay off in full. If you call even months after you were hit with 25% interest I have been able to negotiate a complete payoff with the interest waived by just claiming ignorance and having no clue I was going to be charged with all the interest.
The number one is always use 10% off coupon I found it crazy that local contractors in business for years were not using this. They were spending 1,000's weekly on material and losing 10%!!!!
Hope this helps I know it's saved me a small fortune