Online: Log in to your account and click on the Home Depot® Credit Card to see its balance.
By phone: Call (800) 677-0232 and follow the prompts to connect with a customer service representative.
Through the mobile app: Download the app for Android or iOS, and then log in to your account. Your credit card balance will be shown on the home screen.
It's a good idea to keep an eye on your Home Depot® Credit Card balance. If your balance seems higher than it should be, take a moment to look over your recent transactions for anything out of the ordinary.
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 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.
Yes, the Home Depot Credit Card does a hard pull credit check. You will need a credit score of at least 640 to get it, which is on par with what most store cards require.
There is no way to pre-qualify for the Home Depot Credit Card. A hard pull usually causes an applicant's credit score to drop by 5-10 points. Most people’s scores bounce back within 3-6 months with responsible credit management, but it can take up to 12 months. You can learn more about how to minimize the credit score damage … read full answerhere.
The Home Depot® Credit Card minimum payment is $29 or 1% of the statement balance, plus fees, past-due amounts, and interest – whichever is higher. If the statement balance is less than $29, the Home Depot® Credit Card minimum payment will be equal to the balance. In addition, if you recently missed a payment, Citibank may add a late fee to your minimum payment.… read full answer
The minimum payment is the smallest amount you’re obligated to pay by the due date for your Home Depot® Credit Card account to be in good standing. Failure to pay by the due date may result in a late fee. Your credit score will also take a hit if you miss multiple minimum payments.
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