You can request a Home Depot® Credit Card credit limit increase online, or by calling customer service at 1-800-677-0232. 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 Citibank has on file. Citibank will be more likely to increase your credit limit if the revised income clearly shows that you can afford a higher limit.
How To Get a Home Depot® Credit Card Credit Limit Increase Online
- Log in to your online account.
- Choose the Home Depot® Credit Card from the list of account options (if you have more than one Citibank card).
- Click “Available Credit,” and then “Request Increase.”
- Enter the required information.
- Confirm the information entered and click “Submit” to complete the request.
You should receive a decision in just a few seconds. If you’re approved for a Home Depot® Credit Card credit limit increase, the new limit is effective immediately.
Impact of a Home Depot® Credit Card Credit Limit Increase on Your Credit Score
When you request a Home Depot® Credit Card credit limit increase, Citibank will conduct a hard pull of your credit report, which will cause a short-term dip in your credit score. Citibank cannot do a hard pull without your permission, though.
Alternatively, you could be eligible for a Home Depot® Credit Card credit limit increase without even requesting one. The Home Depot® Credit Card may offer an automatic credit limit increase if Citibank’s regular review of your account shows a history of on-time payments and low debt. An automatic credit limit increase involves a soft pull, which does not affect your credit score.
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