What's up with Home Depot cards???

I don't remember that part, although I'm sure we probably did give it. But we filled out the big application at the customer service desk because we were making a big purchase so I'd expect to do that there, rather than the quickie approval at the register.

Something to keep in mind with opening accounts like this is that it will affect your credit score - the company will do a credit check and that will ding you, so if you are trying to improve your score for whatever reason, then don't open new credit card accounts. If you do get one, also keep in mind that closing it may affect your score as well, as it will change the total amount of credit that you are approved for. If it has no balance, it is actually helping you (unless you have to pay an annual fee even if not using it, which Home Depot doesn't do) by decreasing your outstanding debt to available credit ratio.

Considering it's only a one-time discount, I always ask myself if it's worth it for the down-the-road hassle. Whatever you do, make sure you are checking your credit reports on a regular basis (annually if not more frequently)!