What's the starting Home Depot Credit Card credit limit? This question is about the Home Depot® Credit Card

It depends on your credit profile but my wife just opened one and has an $8000 limit, not sure what the max is

What's the starting Home Depot Credit Card credit limit?

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This question is about the Home Depot® Credit Card

Adrian Kaplan, WalletHub Credit Card Consultant

@kaplanlier11 • 08/12/22 This answer was first published on 04/27/18 and it was last updated on 08/12/22.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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The starting Home Depot® Credit Card credit limit is $300 or more. Everyone who gets approved for the Home Depot® Credit Card is guaranteed a credit limit of at least $300. Plus, particularly creditworthy applicants could get limits a lot higher than that.

What you should know about the Home Depot® Credit Card credit limit:

The Home Depot® Credit Card credit limit that you start with isn’t necessarily your credit line forever. You can ask to get a credit limit increase by calling (800) 677-0232. But it’s best not to ask more than once a year.

The issuer will also evaluate your account periodically to determine whether you are eligible for a credit limit increase. For a better chance at receiving an automatic credit limit increase, make sure to always pay on time and to keep your credit utilization low.

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michaelmeloche12, Member

@michaelmeloche12 • 05/04/22 This answer was first published on 05/04/22. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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It depends on your credit profile but my wife just opened one and has an $8000 limit, not sure what the max is

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Marcus Trillby, Member

@marcus_trillby • 03/07/18 This answer was first published on 03/07/18. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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That really depends on your file, but it's $500 minimum.

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How do I increase my Home Depot Credit Card credit limit?

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.

To raise your chances of being approved for a higher credit limit, pay your bill on time for at least six straight months, reduce your outstanding debt, and update the income information on your account. The...

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How can I go over my Home Depot Credit Card credit limit?

Unfortunately, you cannot go over your Home Depot® Credit Card credit limit. If there is not enough credit available on your card, the transactions will simply be declined.

Still, if you need more spending power on your card, you can always ask for a credit limit increase. You can do that from your online account, or by calling the card’s customer service at (800) 677-0232. Just keep in mind that if you request a credit limit increase, the issuer...

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What's the maximum Home Depot Credit Card credit limit?

Citibank, the issuer, does not disclose a Home Depot credit card max limit. It will be determined based on your creditworthiness.

You will be informed of the amount of your credit limit when you receive your card. Some credit limits may be as low as $500.

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