Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Credit Cards
Profile Image

Question By
nathanbiller

1 Contribution
1 Person Helped
What does "THD/CBNA" mean?
My Report says that I have a credit card named "THD/CBNA" which is incorrect. What does it mean and how do i remove it?
All Responses

Results 1-10 of 16Results per page: 5 | 10 | 25Page 1 of 2   Previous | Next
1 Contribution
11 People Helped
Most Helpful Response

Helpful to 11 out of 11 people

THD  means the Home Depot

1 Contribution
23 People Helped

THD/CBNA

Helpful to 23 out of 29 people

I had a similar item show up on my report in September, just saw it today. It shows as a new credit card BBY/CBNA. With google and this forum it occurs to me that I recieved a letter, about 6-8 weeks ago stating that my Best Buy card was going to be owned/serviced by Citi Bank in the future. Now it all makes sense. Citi is showing, to the credit reporting agencies, that I have a credit card with them with a zero balance...it is my Best Buy card.

1 Contribution
12 People Helped

Credit Limit Reduced

Helpful to 12 out of 13 people

I had a notice on Credit Karma that my credit limit on THD/CBNA credit card had been reduced from the limit to 0.  Couldn't figure out what this was either.  Evidently, Home Depot got impatient with my not having used the card for a long time and reduced my credit limit to 0 (with no notice, by the way) and causing my credit score to drop 4 points!  Keep your score high by making at least one charge on each card per year to keep it active and maintain your total credit limit.

2 Contributions
15 People Helped

Helpful to 10 out of 10 people

CBNA means Citibank North America.

Reply by
Dmurray1234

4 Contributions
3 People Helped
Helpful to 1 out of 2 people

I have no city bank account nor do i remember having one

1 Contribution
5 People Helped

Had the same thing

Helpful to 5 out of 7 people

I have them showing up on my report as well.  I paid off my card in 2010.  I just called and was told that they continue to save the acct info and report on it for 12 months after it was closed.  I was told that they would stop reporting on mine in June.

1 Contribution
2 People Helped

both

Helpful to 2 out of 3 people

I have both home depot and THD/CBNA.

This is confusing, because I checked my home depot account, and it said paid in full, yet THD/CBNA has a balance.

what gives?

1 Contribution
1 Person Helped

Helpful to 1 out of 4 people

dispute it with whom? do you have any info?

4 Contributions
3 People Helped

Who is THD/CBNA

Helpful to 0 out of 1 people

I have no idea what this is can you please let me know

4 Contributions
3 People Helped

Helpful to 0 out of 1 people

why is my credit report so low all my bills have been current for over a year

4 Contributions
3 People Helped

Helpful to 2 out of 5 people

oh forgive me i do have a home depot card i did not know that citibank north america was home depot

thanks for clearing that up for me

Reply by
tomntulsa

1 Contribution
1 Person Helped
Helpful to 1 out of 1 people

Banks offer credit cards in many many company names so even though you're paying you Home Depot credit card Home Depot got all their money when you used the card and you actually owe Citi Bank or Lowe's or any other company that partnered with Citi Bank.

Results 1-10 of 16Results per page: 5 | 10 | 25Page 1 of 2   Previous | Next

Reply to this Question

Write your response:
Enter Your Comments
 

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.