Andrew Griffiths, Member
@andy_griffiths
The Home Depot® Credit Card's maximum credit limit is around $25,000, according to user reports. Citibank does not disclose any specific credit limit information in the card’s terms, and the credit limit will depend on each applicant’s overall creditworthiness.
You will be informed of what your credit limit is when you receive your card. Some credit limits may be as low as $300. That said, the Home Depot Credit Card credit limit that you receive upon approval isn’t necessarily your credit line forever.
You can ask to get a credit limit increase by calling the customer service number on the back of your card, but it’s best not to ask more than once a year. Citibank, the issuer of the Home Depot Credit Card, will also evaluate your account periodically to determine whether you are eligible for a credit limit increase. Paying on time and keeping your credit utilization low are key for getting unsolicited credit line increases with Home Depot Credit Card.
Popular Credit Cards from Our Partners
People also ask
What is the Home Depot Credit Card credit score requirement?
The Home Depot® Credit Card credit score requirement is 640 or better. That means people with fair credit or better have a shot at getting approved for the Home Depot® Credit Card.
Note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Home Depot® Credit Card, too. Some other key criteria include your income, existing debt load, recent credit inquiries, number of open accounts, housing status, and...
read full answer by Maria Adams, Credit Cards ModeratorHow do I increase my Home Depot Credit Card credit limit?
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...
read full answer by Chip Lupo, Credit Card WriterHow do you get approved for a high limit credit card?
To get approved for a high limit credit card, you will need good to excellent credit and proof that you can afford a high spending limit. More specifically, your credit limit will be determined by several factors, including your income, assets, and existing debt obligations. Picking the right credit card goes a long way, too.
4 Steps on How to Get Approved for a High Limit Credit Card
1. Improve your credit score:
High limit...
read full answer by Chip Lupo, Credit Card WriterDid we answer your question?
Important Disclosures
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers. For full transparency, here is a list of our current advertisers.
Advertising impacts how and where offers appear on this site (including, for example, the order in which they appear and their prevalence). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any company, as our editors follow a strict editorial policy.