When Hardware Store Credit Cards Can Be A Good Idea

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It’s not cheap to upgrade your home. The costs for purchasing construction supplies, hiring a qualified work force and paying the various fees for permits can quickly add up.

Most people think of banks as the only place to get a house improvement loan, but hardware store credit cards are essentially loaning you money to upgrade your dwelling. Credit cards from home improvement stores have some extra advantages.

Zero Interest for a Limited Time: Many of those home improvement store credit cards give you a period of 6 to 12 months with zero interest charges as long as you use the credit card in their store. Those savings could add up to big money if you are able to pay back part of the amount you borrowed on the credit card. Even more importantly, big stores like Lowe’s Home Centers may have several different credit cards available for your unique personal situation.

Big Store Discounts: Home improvement store credit cards often give you sale prices on items you buy or services you contract through the store. You might save 3% – 10% on the total cost of the project, which could be a pretty good chunk of cash by the time you’ve added it all up.

All-In-One-Solution: There is something to be said for buying all your home improvement materials for a specific project from one store. Instead of visiting a dozen stores to find a refrigerator you can go to one store and buy a faucet, a sink, a refrigerator, all the cabinets and even hire and schedule the installers all at one time. You don’t need a big home improvement store credit card to necessarily do this, but things do seem to go much smoother this way.

Banks loan you money in hopes that they’ll make profit with the interest and fees you pay back. Big home improvement stores don’t have to make money on interest because they’ll be making their profit on the products and services you buy. Because of that they can usually offer lower interest rates and even better pricing. When you use a hardware store credit card you’re locked into using a specific store, but if that store has everything you need then it’s definitely worth considering!

Thinking about updating your home this year? Before you do, look into some of the many home improvement financing options that are available to you now.

categories: home improvement loan,home improvement financing,home improvement credit card,loans,credit cards,home improvement,home,house,money,finances,lowe’s,home depot,equity,credit rating

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Tags: credit cards, credit rating, equity, finances, home, home depot, Home Improvement, home improvement credit card, home improvement financing, home improvement loan, house, Loans, lowe's, money

Article Citation
MLA Style Citation:
Miller, Jason "When Hardware Store Credit Cards Can Be A Good Idea." When Hardware Store Credit Cards Can Be A Good Idea. 1 Apr. 2009. uberarticles.com. 10 Apr 2012 <http://uberarticles.com/finance/loans/when-hardware-store-credit-cards-can-be-a-good-idea/>.

APA Style Citation:
Miller, J (2009, April 1). When Hardware Store Credit Cards Can Be A Good Idea. Retrieved April 10, 2012, from http://uberarticles.com/finance/loans/when-hardware-store-credit-cards-can-be-a-good-idea/

Chicago Style Citation:
Miller, Jason "When Hardware Store Credit Cards Can Be A Good Idea" uberarticles.com. http://uberarticles.com/finance/loans/when-hardware-store-credit-cards-can-be-a-good-idea/

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