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The Home Depot® Consumer Credit Card

Approval Odds
Cardholder (84 Reviews)
Application Process
Customer Service
1.8571000099182 5

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Most Helpful Positive Review

Helpful to 4 out of 4 people

 Fico score of 760. Applied for this card and got a cl of 7,000.00. This has been a great card for promo items with either 6 months or 12 months special financing options.

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forty9rman's review was:    


Most Helpful Critical Review

Helpful to 12 out of 13 people

Recently I attempted to purchase a new washer/dryer from my local Home Depot because they had 0% financing for card holders.  I tried my card but was told the account had been CLOSED.  No problem.  I applied for credit again and was refused and was told I would be receiving a letter explaining why I was refused.  Easy enough.  Right?  Wrong.

The reason for refusal was sent to me with a bill showing a balance of $250.54 in addition to a letter from a collection agency.  Upon a closer look I saw that the Late Fees & Interest for the Year totaled $250.14.  I NEVER RECEIVED A STATEMENT or used the card this year.  Now lets do the math.  The difference between the fees/interest and the current balance is $0.40.  Yes 40 cents.   Citibank decided to accrue late fees and interest on 40 cents from the beginning of the year totaling over $250. 

The folks at Citibank are a BUNCH OF CROOKS.  BEWARE!!!!!!! and check your statements carefully.

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Reviews (84)

Worst card ever
Helpful to 1 out of 3 people

I got the card about 3 years ago and was given a measly $500 limit.  No big deal. I have a 6 figure income but a low credit score from a divorce. Have worked on my credit using lawyers and the whole nine. Part of fixing my credit was credit utilization. Having no balance is good but showing that you can pay a balance is better as long as you keep it under 30%. So...after 3 years of rebuilding credit (no thanks to a $500 limit) I have good credit again. I was actually approved for a $300k mortgage and found a house.  I figured that with a new house and some remodeling in mind it would be a good time to request an increase on my Home Depot card. Immediately denied.  So I decided to look at my credit report to see why after being approved for $300k a month earlier I am now being denied a $2000 limit.   It seems that if I was not paying this card early it was late.  There were 4 derogatory marks from this stupid bank!  Everything else was fine. I imagine I must have been a day or two late here and there on paying off a $60-100 balance and they reported it!  Stay far away from this stupid card if you care about your credit.  Lowes is usually right across the street!

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I got a pre selected offer in the mail. not even sure that they pulled my credit as my equifax is closed. 2k credit limit from the beginning. will call when i get card to ask for increase when i want to do big project. love the 0 percent offers with the card. just not sure if the total must be over 299. or single item.

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Well they let someone make over $600.00 purchase on my card looking to transfer it and cancell

Katcoco's reply was:    

be warned , stay clear of this
Helpful to 0 out of 7 people

spent $30,000 dollars with home depot last year, not a penny more will i spend

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So what happened after spending that kind of money.

Taxi818's reply was:    

Used for 10% off initial purchase offer

We used it to purchase new carpeting and a lot of other things that we were planning on using around the house. All in one big purchase.

Once and done though. We won't be using it ever again as it has no benefits after that first swing. Very easy to apply and got a really big limit.

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Problems with Online Account
Helpful to 0 out of 1 people

Finally figured out that our account had been changed from paper statements to electronic statements without our knowledge. Could not find online where to change this setting so chatted the "customer service" from Shi*ibank who told me I changed the setting and gave me the date and log entry. Since we absolutely do not have any account with online statements this was impossible. She told me I would have received an email confirming the change to our account. Guess what? The only emiail I got on that date was where I requested a copy of a receipt! So our Account Settings were changed by someone, not us and they cuold not have cared less. I called to follow up and was tolld the email probably went into our spam. Seems like they would be more concerned about problems with their website and customer accounts. We'll be cancelling this card, too creepy to deal with Shi*tibank, no problems with Home Depot but they should change the company they use to manage their cards.

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Don't waste your time
Helpful to 0 out of 1 people

FIrst Off, promised instant credit access, doesn't work. Spent hours on the phone trying to get information, sending me incorrect passwords to access info, blank documents. Cancelled it, what a JOKE!

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The discount is too little

Not worth applying. You can get much more discount by buying gift cards from 

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THD/CNBA won't close this account

I was an authorized user on the account when it was first opened by my significant other. Had my responsibility terminated the same year. The account owner passed away early this year and I noticed this account was still showing as an open account on my credit report, even though I'm not an authorized user. I don't have the full account number because that's not included on your report. I mailed a letter of explanation to THD/CNBA and included all the of the information about the deceased account owner, including a copy of the death certificate. Their response? A form letter stating if I'm questioning the information they provide to consumer reporting agencies, I must provide the sixteen digit account number, copies of the credit reports dated within the past 30 days, and a letter of explanation. If only my unfortunate friend had been one of the lucky ones who had this account cancelled for no reason!

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Helpful to 1 out of 1 people

I've had this card for about a month now. I was sent a preapproved offer in the mail applied and was approved with a $500cl.. I spent $46.00 and paid in full by the due date... I then logged in to my acct and submitted for a $2500 increase got the confirmation that they will contact me via email within 2-8hours. Then i got the email logged in to read and I was approved. So now my Cl is $3000 Ty citi...

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Instant Approval
Helpful to 1 out of 2 people

I am collecting accounts just to build my credit score.  I applied for this card with a CK 641.  Instant  approval $500 CL.  The high interest is no issue for me since I will not carry a balance.  The low CL is not an issue since that is more than I will spend at HD in any month.  The card costs me nothing, adds to my total credit line and helps my credit score.  BTW thanks for the tip on showing my Lowe's card (which I applied for on the same day and was instantly approved for CL $500.)

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Company Overview

The Home Depot® Consumer Credit Card, serviced by Citibank, offers Home Depot® customers card benefits. Cardholder features may include an interest-free introductory period, automatic savings for in-store purchases, special promotions throughout the year, and online account management. Online account access includes the ability to view statements, check balance, make payments, and request a credit line increase. Home Depot® also offers additional credit products, such as The Home Depot® Rewards MasterCard® , The Home Depot® Commercial Revolving Charge Card, The Home Depot® Commercial Account, and The Home Depot® Business Rewards MasterCards® to fit consumers' credit needs.

The Home Depot® opened its doors in 1979 in Atlanta, Georgia as a one-stop shopping for the “do-it-yourselfer”. The first stores were huge, 60,000 square foot warehouses that dwarfed the competing hardware stores. Empty boxes piled high on the shelves gave the illusion of even more product, the story goes. Today, The Home Depot® is the world’s largest home improvement specialty retailer, with 2,246 retail store across all 50 U.S. states, the District of Columbia, Puerto Rico, U.S. Virgin Islands, Canada, Mexico, and China.

Approval Odds

The Home Depot® Consumer Credit Card

84 Reviews