Frequently Asked Questions

Home Credit US, LLC ("Home Credit") is the servicer of the Home Credit Visa® Card and the Sprint Credit Card. Home Credit provides credit card products that make it easy to buy, pay and earn rewards, bringing innovative consumer financing solutions to customers who value connection to the things that matter most.

Click on the "Contact Us" link at the bottom of our website for our contact information.

Currently, the Home Credit Visa® Card is only available by invitation. You may receive an e-mail or mailed invitation with a website and an access code that you can use to access the application and apply.

A "pending" application means that your application has been submitted and is under review by our credit team. You will receive a communication with a decision on your application either via e-mail or mail within 30 days of application submission.

Congratulations on your approval! You can access your new credit card within seconds via the My Home Credit app and start shopping today. Additionally, you will receive an e-mail and/or mail with information regarding your new Account soon after approval and your physical card will arrive within 7-10 business days. You will need to activate your physical card before you can use it.

Primary Account holders can manage the Account in the My Home Credit app, in the Home Credit customer web portal (https://card.homecreditus.com/), or via the Customer Care line: 1-855-456-8048. Authorized Users of the account are not able to manage the account.

You can activate your card on the My Home Credit mobile app by tapping “Activate Card” on the Overview screen and entering the requested information. The primary Account owner can activate all cards on their Account in the mobile app. If preferred, you can also activate your card at www.homecreditus.com/myaccount or by calling the number on the back of your card.

Authorized users may only activate their individual card and must call the number on the back of their card to do so.

To add an authorized user via the My Home Credit app, please login to your Account and go to the Settings page. If you have less than 5 Authorized Users on your account, the button to "Add New User" will be available. Otherwise, please contact us at 855-456-8048.

Primary Account holders can update contact information via the My Home Credit app by tapping “My Profile” on the Settings screen.

You can also update your information on the web by signing in online, then select "Cardholder Info" from the "Account Info" option on the left hand navigation bar. To update your information, delete the existing information, type in the correct information and click "Submit.”

Authorized users are not able to change this information.

If your card is lost or stolen, please contact us immediately at 855-456-8048. A representative will shut down your card and send you a replacement card. If you think you have temporarily misplaced your credit card, you can temporarily freeze your card using the My Home Credit app.

Authorized users are not able to freeze their cards.

If you need a replacement card, please contact us at 855-456-8048.

To see if you have Cash Advances as a feature of your card, please refer to your statement. If this feature is available, the amount available for cash advances will be displayed. If you need to setup a PIN to access this feature, please contact us at 855-456-8048 and follow the prompts.

Learn more about your Visa® benefits and how to take advantage of them with our Guide to Benefits at https://www.homecreditus.com/wp-content/uploads/guide-to-benefits.pdf 

An Introductory APR is an APR applicable to qualifying balances or transactions for a specified period of time that is lower than the APR that will be in effect at the end of that period on such balances or transactions. The specified period of time begins on the date of your Account opening and ends on the expiration date found on your monthly billing statement. After the introductory period end, your standard APR for Purchases will apply.

Your Cardmember Agreement is your contract for your Home Credit product and states the terms and conditions which apply to your Account. 

You can view your Cardmember Agreement by visiting https://www.homecreditus.com/disclosures/ and scrolling to the bottom of the page.

If you need to dispute a charge on your statement, you can submit the dispute by: 

- Logging in to the online services and open the applicable statement by selecting "View Your e-Statement" from the "Statement" option from the left hand navigation bar. Once you have selected the applicable statement, click on the specific transaction in the statement that includes the transaction, then select "Dispute Transaction" from the options and clicking "Submit." 

- Calling us at 855-456-8048 and speak with a live representative.

- Sending the dispute in writing to the following address: Home Credit – Disputes, PO Box 2988, Omaha, NE 68103-2988. 

Timely notification is important. Most transactions must be disputed within 60 days of the date of the statement where the error appeared. We will respond to your written dispute within 30 days after we receive the dispute. Contact us at 855-456-8048 to cancel a dispute. Disputes can generally take 60-90 days to resolve.

The Bank of Missouri is the issuer of the Home Credit Visa® credit card with servicing rights and other rights assigned to Home Credit US, LLC.

Applications for the Sprint Credit Card are no longer available.

A "pending" application means that your application has been submitted and is under review by our credit team. You will receive a communication with a decision on your application either via e-mail or mail within 30 days of application submission.

Congratulations on your approval! You can immediately access your new credit card within seconds via the My Home Credit app and start shopping today. Additionally, you will receive an e-mail and/or mail with information regarding your new account soon after approval and your physical card within 7-10 business days. You will need to activate your card before you can use it.

You can manage your account in the My Home Credit app, in the Home Credit customer web portal (https://card.homecreditus.com/), or via the Customer Care line: 1-855-456-8048.

You can activate your card on the My Home Credit mobile app by tapping “Activate Card” on the Overview screen and entering the requested information. The primary account owner can activate all cards on their account in the mobile app. If preferred, you can also activate your card at www.homecreditus.com/myaccount or by calling the number on the back of your card.

Authorized Users may only activate their individual card and must call the number on the back of their card to do so.

To add an authorized user via the My Home Credit app, please login to your account and go to the Settings page. If you have less than 5 authorized users on your account, the button to "Add New User" will be available. Otherwise, please contact us at 855-456-8048.

You can update your contact information via the mobile app by tapping “My Profile” on the Settings screen.

You can also update your information on the web by signing in online, then select "Cardholder Info" from the "Account Info" option on the left hand navigation bar. To update your information, delete the existing information, type in the correct information and click "Submit.“

If your card is lost or stolen, please contact us immediately at 855-456-8048. A representative will shut down your card and send you a replacement card. If you think you have temporarily misplaced your credit card, you can temporarily freeze your card using the My Home Credit app.

Authorized users are not able to freeze their cards.

If you need a replacement card, please contact us at 855-456-8048.

To see if you have Cash Advances as a feature of your card, please refer to your statement. If this feature is available, the amount available for cash advances will be displayed. If you need to setup a PIN to access this feature, please contact us at 855-456-8048 and follow the prompts.

Learn more about your Visa® benefits and how to take advantage of them with our Guide to Benefits at https://www.homecreditus.com/wp-content/uploads/guide-to-benefits.pdf

An Introductory APR is an APR applicable to qualifying balances or transactions for a specified period of time that is lower than the APR that will be in effect at the end of that period on such balances or transactions. The specified period of time begins on the date of your Account opening and ends on the expiration date found on your monthly billing statement. After the introductory period end, your standard APR for Purchases will apply.

Your Cardmember Agreement is your contract for your Home Credit product and states the terms and conditions which apply to your Account. 

You can view your Cardmember Agreement by visiting https://homecreditus.com/disclosures

If you need to dispute a charge on your statement, you can submit the dispute by: 

- Logging in to the online services and open the applicable statement by selecting "View Your e-Statement" from the "Statement" option from the left hand navigation bar. Once you have selected the applicable statement, click on the specific transaction in the statement that includes the transaction, then select "Dispute Transaction" from the options and clicking "Submit." 

- Calling us at 855-456-8048 and speak with a live representative. 

- Sending the dispute in writing to the following address: Home Credit – Disputes, PO Box 2988, Omaha, NE 68103-2988. 

Timely notification is important. Most transactions must be disputed within 60 days of the date of the statement where the error appeared. We will respond to your written dispute within 30 days after we receive the dispute. Contact us at 855-456-8048 to cancel a dispute. Disputes can generally take 60-90 days to resolve.

The Bank of Missouri is the issuer of the Sprint Credit Card with servicing rights and other rights assigned to Home Credit US, LLC.

The CCPA is a law intended to enhance privacy rights and consumer protection for residents of California and applies to any business, including any for-profit entity that collects consumers' personal data, which does business in California, and satisfies certain thresholds. The CCPA grants you specific rights in regard to your personal information that we collect. Online Privacy Policy.

Under the CCPA you have the right to request up to two times every 12 months, free of charge, a list of all the categories and/or specific pieces of Personal Information we have collected about you and that we delete such Personal Information. The CCPA also grants you the right to request that your Personal Information not be sold to third parties.

Home Credit collects your information when you use our products and services, visit our websites, access or use our web services, or access your accounts through our online products and services or mobile applications. Home Credit is committed to safeguarding the privacy and security of your information.

To exercise your rights under the CCPA, call 1-855-456-8048 or click here. If you choose to exercise these rights, we will not deny you access to credit, charge you different interest rates or fees, or provide you with a different level of product or service.

If you do not live in California, the CCPA does not apply to you. However, regardless of your home state, we take the privacy of our consumers very seriously. To learn more about how we protect your data, review our Privacy Notice for the Home Credit Visa Credit Card, Privacy Notice for the Sprint Credit Card, and Online Privacy Policy.

You can manage your Account in the My Home Credit app, in the Home Credit customer web portal (https://card.homecreditus.com/), or via the Customer Care line: 1-855-456-8048.

You can update your contact information via the mobile app by tapping “My Profile” on the Settings screen.

You can also update your information on the web by signing in online, then select "Cardholder Info" from the "Account Info" option on the left hand navigation bar. To update your information, delete the existing information, type in the correct information and click "Submit.“

If your card is lost or stolen, please contact us immediately at 855-456-8048. A representative will shut down your card and send you a replacement card. If you think you have temporarily misplaced your credit card, you can temporarily freeze your card using the My Home Credit app.

Authorized users are not able to freeze their cards.

If you need a replacement card, please contact us at 855-456-8048.

To see if you have Cash Advances as a feature of your card, please refer to your statement. If this feature is available, the amount available for cash advances will be displayed. If you need to setup a PIN to access this feature, please contact us at 855-456-8048 and follow the prompts.

Learn more about your Visa® benefits and how to take advantage of them with our Guide to Benefits at  https://www.homecreditus.com/wp-content/uploads/guide-to-benefits.pdf

An Introductory APR is an APR applicable to qualifying balances or transactions for a specified period of time that is lower than the APR that will be in effect at the end of that period on such balances or transactions. The specified period of time begins on the date of your Account opening and ends on the expiration date found on your monthly billing statement. After the introductory period end, your standard APR for Purchases will apply.

Your Cardmember Agreement is your contract for your Home Credit product and states the terms and conditions which apply to your Account. 

You can view your Cardmember Agreement by visiting https://homecreditus.com/disclosures 

If you need to dispute a charge on your statement, you can submit the dispute by:

- Logging in to the online services and open the applicable statement by selecting "View Your e-Statement" from the "Statement" option from the left hand navigation bar. Once you have selected the applicable statement, click on the specific transaction in the statement that includes the transaction, then select "Dispute Transaction" from the options and clicking "Submit."

- Calling us at 855-456-8048 and speak with a live representative. 

- Sending the dispute in writing to the following address: Home Credit – Disputes, PO Box 2988, Omaha, NE 68103-2988. 

Timely notification is important. Most transactions must be disputed within 60 days of the date of the statement where the error appeared. We will respond to your written dispute within 30 days after we receive the dispute. Contact us at 855-456-8048 to cancel a dispute. Disputes can generally take 60-90 days to resolve.

Yes! Our mobile app, the My Home Credit app, combines the benefits of our website along with the power of your phone. Download the My Home Credit app from your device’s app store.

Once the app is downloaded and installed on your device, click on the mobile app and log in using the same Username and Password you use for the online services. If you have not previously created an account for the online services, you will need to create an account. You can create an account on My Home Credit for iPhone or Android by selecting "Create Account" on the logon screen.

No, only the primary account owner may use the mobile app to manage their account.

Call us at 855-456-8048 to unlock your account.

On the web, click the "Login" link at the top of the page located at http://www.homecreditus.com/myaccount. Once on that page, you may retrieve your username and/or reset your password by completing the appropriate section of the page. 

On the My Home Credit mobile app, click the "I Can’t Log In" link on the home screen. This will take you to the "Login Help" page. From this page, choose "I forgot my username" or "I forgot my password" to go to the appropriate page. Once on the applicable page, you may retrieve your Username and/or reset your Password by completing the appropriate section of the page.

Go to www.homecreditus.com/myaccount and click on the “Create Your Login” button. Enter the requested information to begin the registration process. Additionally, you can activate your card on our mobile app or by calling us at 855-456-8048.

If you are enrolled in e-Statements, your statement information is available by selecting "View Your e-Statement" from the "Statement" option on the left hand navigation bar. 

You may view information online for the three most recent statements. If you are a new customer, we will add a new statement each month until three statements are available. If you need additional statements, please contact us at 855-456-8048 to request these documents. There may be an additional charge to request a mailed copy of your statement. Please see your Cardmember Agreement for more information.

No, only the primary Account owner may use online banking to manage their Account.

Alerts are one-way communication via e-mail or text message about your Account. You can set up Alerts by logging into the online services and selecting "Manage Registration" from the "Alerts" option on the left hand navigation bar.

Some Alerts may be sent multiple times in a billing cycle as they are tied to the number of transactions on your Account; others are sent once a billing cycle.

Home Credit is committed to data security. We use 128-bit SSL encryption technology, the industry standard for data protection, to ensure that all communications on our secure website are encoded and protected. Additionally, we follow the guidance of federal banking regulators and employ strong authentication controls and recognized security standards.

Home Credit’s online services require a 128-bit secure link between your browser and our system. The following browsers are compatible with Home Credit’s online services: 

· Microsoft Edge 12 and higher 
· Microsoft Internet Explorer 9.0 and higher 
· Firefox 39 and higher 
· Chrome 43 and higher 
· Safari 7 and higher.

You will be informed if your browser is not compatible. If your browser is not compatible, we suggest upgrading to the latest versions. To upgrade, please click on one of the following links: 

· Microsoft Edge
· Microsoft® Internet Explorer
· Mozilla Firefox
· Google Chrome
· Apple Safari

For information on how your minimum payment is calculated, please refer to your Cardmember Agreement.

Your payment due date is shown on your statement and on online within the "Account Summary" page.

My Home Credit (mobile app):

Download and log into the My Home Credit app. On the "Overview" page, tap the "Begin a Payment" button. You can pick the dollar amount you want to pay towards your balance, the form of payment, and the date the payment should be sent. Once you have entered all the requested information, slide the button saying "Slide to Complete Payment" to finalize the payment.

Set-up Auto-Pay in the My Home Credit app by tapping the “Auto-Pay” button from the “Overview” screen. You can choose to pay the minimum payment due, full statement balance due, or a fixed amount. After enrollment, your payment will be made automatically on your due date each month. If you enroll before 5pm CST on your due date, the first payment will occur that same day.


Online (https://card.homecreditus.com/): 

Schedule a payment from your bank account for a one-time payment. (Payments can be scheduled for immediate payment or for up to 90 days into the future). To do this, sign in to your account and go to the "Payments" menu located on the left side of the page and choose the appropriate method of payment. Once you have selected the method, you will need to provide the requested information to proceed. 

Set up automatic payments to be deducted monthly on your due date. After enrollment, it may take at least one billing cycle to be effective. To do this, sign in to your account and go to the "Payments" menu located on the left side of the page and choose "Schedule Auto Pay." Once you have selected the method, you will need to provide the requested information to proceed.


Financial Institution Bill Payment:

If making a payment through your online banking site, please list your full 16 digit bank card number, and direct the payment to “Home Credit US, LLC” at the following address: Home Credit, P.O. Box 5470, Carol Stream, IL 60197

Please note: Payments made through a financial institution’s online banking service may be issued as paper checks and are not accompanied by a payment coupon. If your financial institution’s online banking service does not allow you to enter your full 16-digit account number, please consider an alternative payment method.


By Mail:

Send your payment to Home Credit, P.O. Box 5470, Carol Stream, IL 60197. Please be sure to include your payment coupon with your payment. If you do not have a payment coupon, please include your 16-digit account number and the cardholder’s name for proper account identification.


By Phone:

Contact us at 855-456-8048

You will earn points when you, or an authorized user, use your card to make purchases, minus returns, refunds or adjustments that are not payments. You will earn 1 point for every dollar spent on purchases and earn 1 point for every dollar paid towards your bill. 2 points = 0.01 cents.

A Qualifying Purchase is a Purchase made on your card on which you can redeem your points.

You must have a minimum of 500 points to be eligible for points redemption. You can redeem in 2 point increments up to the value of the Qualifying Purchase made within 30 days of the date of redemption or your total points balance, whichever is less, until your total points fall below 500 points. 

Your reward points do not expire as long as your Account is open and in good standing.

You can redeem points through our My Home Credit mobile app. When you reach 500 points, you may redeem in 2 point increments towards Qualifying Purchases within 30 days of the date of the Purchase in three easy steps: 

1. View your Qualifying Purchases and select the Purchase against which you would like to redeem your points. 

2. Use the slider to determine how many of your rewards points you would like to redeem against the Qualifying Purchase. 

3. Confirm your selection. 

Once you confirm the selection, the redeemed reward points will be deducted from your total reward points balance and an accompanying credit will be applied to your Account balance and shown on your statement.

You can view your reward point balance at any time via the My Home Credit app. Reward points will also be visible on your statement.

You will earn points when you, or an authorized user, use your card to make purchases, minus returns, refunds or adjustments that are not payments. You will earn 3 points per dollar when you pay your Sprint service bill with your Sprint Credit Card, 2 points per dollar spent on Qualifying Purchases, and 1 point per dollar spent on all other Purchases. Qualifying Purchases include Purchases made at: 

1. Sprint stores 
2. Online at Sprint.com
3. Sprint telesales

Qualifying Purchases also includes the payment of your Sprint service bill.

NOTE: The purchase of Sprint merchandise at other locations, including national retailers, will receive 1 point per $1.

A Qualifying Purchase is a purchase made on your card on which you can redeem your points. We are constantly introducing new merchants and merchant categories that will qualify, so check back here frequently! Currently, purchases made on your card at the following merchants/merchant categories will qualify for redemption: 

1. Sprint stores 
2. Online at Sprint.com
3. Sprint telesales 
4. Sprint service bill 

NOTE: The purchase of Sprint merchandise at other locations, including national retailers, will not qualify for redemption. 

Qualifying Purchases are only valid for redemption for 30 days after the purchases have posted to your Account.

You must have a minimum of 2,000 points to be eligible for points redemption. You can redeem in $5 increments up to the value of the Qualifying Purchase made within 30 days of the date of redemption or your total points balance, whichever is less, until your total points fall below 2,000.

Your reward points do not expire as long as your Account is open and in good standing.

You can redeem points through our My Home Credit mobile app. When you reach 2,000 points, you may redeem in $5 increments towards Qualifying Purchases within 30 days of the date of the Purchase in three easy steps: 

1. View your Qualifying Purchases and select the transaction against which you would like to redeem your points. 

2. Use the slider to determine how many of your rewards points you would like to redeem against the Qualifying Purchase. 

3. Confirm your selection. 

Once you confirm the selection, the redeemed reward points will be deducted from your total reward points balance and an accompanying credit will be applied to your Account balance and shown on your statement.

You can view your reward point balance at any time via the My Home Credit app. Reward points will also be visible on your statement.

Sprint Purchases include the Sprint monthly service plan, and any Purchases made at Sprint stores, on the Sprint website, or through the Sprint telesales channel. Purchases of Sprint merchandise from national retailers are not considered Sprint Purchases.