Home Depot Credit Card: Log In or Apply (2024)

To enroll in paperless for your account, start by reading the terms and conditions below. You are agreeing to receive your statements electronically only and some of your legal notices electronically only. If you do not wish to enroll, choose Cancel and deselect the Paperless Statements and Letters checkbox.

Enrollment in Credit Card Paperless Statements and E-Communications

We send cardholders various types of legal notices, including notices of increases or decreases in credit lines, privacy notices, account updates and statements. Currently, we can provide some of these legal notices, including statements, electronically. We are working towards being able to provide all of these legal notices electronically. When we are able to provide all legal notices electronically, we will notify you by email. In the meantime, if you choose to receive legal notices electronically, you will need to monitor both your U.S. postal mailbox and your email inbox for legal notices.

To receive your legal notices electronically, your computer must be capable of printing or storing email, web pages and documents in PDF format and your browser must meet minimum system requirements.

Minimum System Requirements

Your privacy and security are important to us. That is why we require you to use a browser with 128-bit security encryption to proceed with your application. This protection helps to ensure that the information you send and receive will remain confidential.

Getting Paper Copies

If you choose to receive legal notices and statements electronically and then want a paper notice, call us at the number on the back of your card and we will mail it to you.

Cancelling Paperless Statements and E-Communications

You may cancel in Account Online or by calling us at the number on the back of your card.

Updating Email Address

We will send notifications regarding the availability of your statement online and legal notices to the email address you provided to us until you contact us to change it. It is your responsibility to update promptly any changes in this information. If your email address changes, please update it through Account Online or call us at the number on the back of your card.

Credit Card Paperless Statements and E-Communications Authorization

I agree to receive my billing statements and other legal notices electronically as available. I understand that when I receive an electronic notice it will replace a paper copy. I also understand that I will need to check both my U.S. postal mailbox and email inbox for legal notices until you let me know by email that all legal notices will be sent electronically.

You will receive paperless notifications at the email address currently associated with your account.

To enroll in paperless for your account, start by reading the terms and conditions below. You are agreeing to receive your statements electronically only and some of your legal notices electronically only.

Enrollment in Credit Card Paperless Statements and E-Communications

We send cardholders various types of legal notices, including notices of increases or decreases in credit lines, privacy notices, account updates and statements. Currently, we can provide some of these legal notices, including statements, electronically. We are working towards being able to provide all of these legal notices electronically. When we are able to provide all legal notices electronically, we will notify you by email.

In the meantime, if you choose to receive legal notices electronically, you will need to monitor both your U.S. postal mailbox and your email inbox for legal notices.

To receive your legal notices electronically, your computer must be capable of printing or storing email, web pages and documents in PDF format and your browser must meet minimum system requirements.

Minimum System Requirements

Your privacy and security are important to us. That is why we require you to use a browser with 128-bit security encryption to proceed with your application. This protection helps to ensure that the information you send and receive will remain confidential.

Getting Paper Copies

If you choose to receive legal notices and statements electronically and then want a paper notice, call us at the number on the back of your card and we will mail it to you.

Updating Email Address

We will send notifications regarding the availability of your statement online and legal notices to the email address you provided to us until you contact us to change it. It is your responsibility to update promptly any changes in this information. If your email address changes, please update it through Account Online or call us at the number on the back of your card.

Credit Card Paperless Statements and E-Communications Authorization

I agree to receive my billing statements and other legal notices electronically as available. I understand that when I receive an electronic notice it will replace a paper copy. I also understand that I will need to check both my U.S. postal mailbox and email inbox for legal notices until you let me know by email that all legal notices will be sent electronically.

You will receive paperless notifications at the email address currently associated with your account.

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What to Expect with Your New Upgrade

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Email Privacy
At Citi Cards, we are dedicated to protecting your privacy. We want you to feel comfortable about giving us your email address. The following Email Policy was developed to help you understand how we use email and what your choices are.


How We Use Email
When you give us your email address, we may then send you emails on a variety of subjects, such as:
• General notices or important news about your account (rest assured your account number would never be included)
• Updates on special deals and offers that might interest you
• Opportunities to provide feedback or complete online surveys, so you can tell us what you think

Your Choices
We believe you should be able to choose what kinds of information you receive. Thus, if you do not want to receive marketing material by email, just indicate your preference on your email profile. If you do so, please note that you could continue to receive some marketing information until your request is processed.

Important Note:
Please keep in mind that Citi reserves the right to continue to notify you by email regarding your account.

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Home Depot Credit Card: Log In or Apply (2024)

FAQs

What is the best way to apply for a Home Depot credit card? ›

Online: Applying online is the fastest and most straightforward way. You can do that through Citibank's website. You will then need to fill in your personal and financial information. In Store: Visit a local Home Depot store and let a representative know that you would like to apply for the Home Depot® Credit Card.

How high of a credit score do you need to get a Home Depot card? ›

Home Depot Credit Card Requirements

Credit score requirement: A credit score of 640+ (fair credit); Age requirement: Must be at least 18 years old. If you're under 21 years old, you must have proof of independent income or a cosigner; Residency requirement: You must be a US resident.

How often does Home Depot increase credit limits? ›

The Home Depot® Credit Card will increase your credit limit no more than once every 6 months, generally. This time frame applies whether you request a credit limit increase yourself or wait for Citibank to offer you an automatic increase. It's typical for credit cards to have a waiting period between increases.

What is the starting limit for the Home Depot credit card? ›

The starting Home Depot® Credit Card credit limit is $300 or more. More specifically, everyone who gets approved for the Home Depot® Credit Card is guaranteed a credit limit of at least $300.

Is applying for a Home Depot credit card a hard inquiry? ›

Citibank issues the The Home Depot Consumer Credit Card* and will perform a hard inquiry to determine your creditworthiness. Citi will collect your employer and bank information and credit bureau information to determine whether you meet its criteria and determine your credit limit.

What bank approves Home Depot credit card? ›

The card is issued by Citibank and offers different financing options. If you plan on making a large purchase, this card provides financing options based on the price of the purchase.

Can I get a Home Depot credit card with a 500 credit score? ›

You need a credit score of 640 or higher (fair credit or better) to get the Home Depot® Credit Card. Your income, employment status, payment history, and debt level will also be considered when you apply for the Home Depot Credit Card.

Can you build credit with a Home Depot credit card? ›

Yes, the Home Depot® Credit Card builds credit, since Citibank reports your account information to all three major credit bureaus each month. Making on-time payments and keeping your balance low will improve your score.

How to get an increase on a Home Depot credit card? ›

You can increase your Home Depot® Credit Card credit limit by making a request online, or by calling customer service at (800) 677-0232. Alternatively, you may also get a Home Depot® Credit Card credit limit increase without asking, if your account is in good standing.

Is it better to increase credit limit or get a new card? ›

If you like your current card, asking for an increase could be the right move. But if you're looking for additional rewards or a better rate, opening a new line of credit may be the right option. No matter what you choose, always remember to use credit responsibly and spend within your means.

What credit bureau does Home Depot use? ›

Reports to All Major Credit Bureaus

Fortunately, Home Depot reports to each major business credit bureau, which includes Dun & Bradstreet (D&B), Equifax Business, and Experian Business.

Which bank issues a credit card for Home Depot? ›

The Home Depot Consumer Credit Card can only be used on purchases at Home Depot. The card is issued by Citibank and offers different financing options.

What credit score do you need for a Home Depot business credit card? ›

Getting a Home Depot credit card is best if you make a lot of purchases from the store. As with most other store credit cards, Home Depot requires a credit score of 640 or higher as the minimum to qualify for approval.

What bank does Home Depot use for credit? ›

The Home Depot® Credit Card is issued by Citibank. The card is intended for applicants with fair credit or better, and its key features are an introductory APR of 0% for 6 - 12 months and up to $100 off your first purchase. The annual fee is $0.

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