Message to Our Customers

Consumer Credit FAQ at The Home Depot

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ACCOUNT INFORMATION

What is "Account Online"?

Account Online allows U.S. The Home Depot Consumer account holders to review important account information online such as current balance, available credit and minimum payment due. Additionally, it allows account holders to make online payments and utilize online customer service support.  



What can I view online?

Account Online will enable you to view key information about your account, such as Current Balance, Current Minimum Due, Available Credit, Payment Due Date, Unbilled Activity and up to 12 months of Statement Activity.  



How do I register for online access? 

Requesting online access for your Consumer account is easy! Just click on "Register Now" from the Credit Center Home Page at www.myhomedepotaccount.com and follow the instructions.  



Is my statement available online?

Your current statement, as well as up to 11 previous statements, is available via Account Online. You can view your statements by selecting "View My Account" and selecting the "Statement" link. Statements can be easily printed, saved or downloaded into your personal financial software.  



Account Online does not show my most recent transactions. When can I view my latest transactions?

We update our system at 6 a.m. ET everyday. Any transaction made after that time will be updated the following day.  



What should I do if my The Home Depot credit card is lost or stolen?

Please contact Home Depot Credit Services immediately at 1-866-875-5488 (within the U.S.). A Customer Service Representative will report your card as lost or stolen, issue a new account number, and mail new card(s).  



What should I do when I am having trouble viewing my account information on my screen?

Please contact Home Depot Credit Services at 1-866-875-5488 and notify them of any problems you are encountering. Representatives are available 6am - 2pm ET, 7 days a week for Option 1, Customer Service; 24 hours a day, 7 days a week for System Support.  



How do I update my mailing address and/or phone number?

Simply select the "Manage My Account" link via Account Online, click on "Update Personal Profile," and select "Address/Phone Number Change." You can also change your address or telephone number by calling Home Depot Credit Services at 1-866-875-5488 (within the U.S). Note: For legal name changes, please mail a copy of the legal documents to the following address in order to process your request:
For U.S. accounts:
Home Depot Credit Services
P.O. Box 9101
Des Moines, IA 50368  



Can I enroll additional cards on my account?

Yes, you can enroll multiple cards under your own User ID and Password. To complete this via Account Online, simply select the "Manage My Account" Link, then select "Update Personal Profile," and choose "Add a Card" to complete your request.  



How do I request a Credit Line change?

You can request a credit line change via Account Online by selecting the "Manage My Account" link. Requests can also be made by contacting Home Depot Credit Services at 1-866-875-5488 (within the U.S.).  



What is an authorized user?

An authorized user is anyone whom the primary account holder has authorized to make purchases on their The Home Depot Consumer account. Although the authorized user can make purchases, he/she cannot request account information or make changes to the account. The primary account holder is responsible for any changes that the authorized user incurs on the account.  



How do I add authorized users to my account?

You can add authorized users to your account via Account Online by selecting the "Manage My Account" link and then choosing "Maintenance Request/Add Authorized User." You can also contact Home Depot Credit Services at 1-866-875-5488 (within the U.S.).

MAKING PAYMENTS

Where do I mail my payment?

Did you know that you can make payments online? Select "Make a Payment" after you log into your account via Account Online. If you prefer to mail your payment, the address is:  

Home Depot Credit Services
PO Box 182676
Columbus, OH 43218-2676  



How do I enroll in Online Payments?

There are two easy ways to enroll:  

1) If you have not already registered for Account Online, you can enroll in Online Payments as part of the Account Online Registration process.
2) Or, if you have already enrolled for Account Online, but have not registered for Online Payments, via Account Online simply choose "Make a Payment" and Select "Enroll." Make sure you have a current check or deposit slip available, as you will need your 9-digit ABA routing number and your bank account number.  

Remember, when you enroll, you authorize your bank to electronically debit your checking account to pay your bill. This will not happen automatically. You will need to sign-on each month to make a payment request.  



Once enrolled, how do I make an Online Payment?

You can make an online payment via Account Online by logging-in to your account and selecting "Make a Payment," then selecting "Pay Online" and finally choosing "Pay Now." All you have to do is indicate the payment amount and date, and we do the rest.  



What type of bank accounts can I use?

You can use checking accounts from any U.S. financial institution. First, check with your bank to make sure they accept electronic debits from your account. Some financial institutions use unique ABA routing and account numbers for electronic payments. To avoid any delay, verify them with your financial institution before enrolling.  



What if I change banks?

If you change banks you will need to add the new bank account number by selecting "Make a Payment" and "Maintain Bank Information." Then simply complete the "Add Bank Account" form.  



How much can I pay?

You can pay your minimum due or enter a specific amount of at least $1, but not more than your current balance.  



When will my Payment post to my account?

Electronic payments submitted prior to 5 p.m. ET will be credited to your account as of today's date. You will receive immediate confirmation of your payment request and your payment will appear on your Unbilled Activity, Online Payment History and credit card account within 2-3 business days. Payments received after 5 p.m. ET, will be credited to your account as of tomorrow's date.  



How long will it take from the time I make a Payment until my bank account is debited?

Your account will be debited within 2 to 3 days  



What if I don't have enough money in my bank account on the day you debit it?

Your bank will advise us that the payment cannot be honored, and your card account will be assessed a returned payment fee as described in the online Payment Terms & Conditions. You may also be charged late fees according to the terms & conditions of your Card Agreement.  



What if I can't make my payment on time because I can't get into Account Online or Online Payments?

You're still responsible for making your payment on time. To avoid being charged a late fee, be sure to mail your payment several days before it's due. If you have trouble making an online payment, call 1-866-875-5488 for customer service support or you can visit any The Home Depot store to make a payment.  



Can I view previous online Payments?

You can view up to 5 months of online payment transactions. From the "Make a Payment" menu via Account Online, select "Online Payment History" to check the status of recent online payment requests or to see a list of payments.  



When do mailed payments post?

For payments by regular mail, please allow 5-7 days for your payment to reach us. Payment must be received in proper form at our processing facility by 5 p.m. local time there to be credited as of that day. All payments received at the processing facility in proper form after that hour will be credited as of the following day. There may be a delay of up to 5 days in crediting a payment sent by mail if it is not in the proper form or is addressed to a location other than the address listed on the return envelope or on the front of the payment coupon, or, for courier or express mail payments, to the Express Payment address.

What if I can't make my payment on time because I can't get into Account Online or Online Payments?

You're still responsible for making your payment on time. To avoid being charged a late fee, be sure to mail your payment several days before it's due. If you have trouble making an online payment, call 1-866-875-5488 for customer service support or you can visit any The Home Depot store to make a payment.

FINANCE CHARGES AND LATE FEES

How can I avoid finance charges?

If we received payment of the total New Balance, plus the minimum monthly payments required on your No Interest and 0% balances, listed on the last billing statement, in the proper form, in time to be credited as of the payment due date on that statement, you have until 5 p.m. local time on the payment due date shown on your current statement, which is at least 20 days, for us to receive, in the proper form, your New Balance plus the minimum monthly payments required on your No Interest and 0% balances, to avoid imposition of additional finance charges on purchases, provided that for promotional balances you may take advantage of the following (the "Promotional Balance Exceptions"):
First, you can subtract from the New Balance any No Interest or 0% Plan Balances that do not expire by the Next Closing Date shown on the statement. Second, you can pay any No Interest or 0% Plan Balances that do expire by the Next Closing Date shown on the statement by 5 p.m. local time on the later of the promotion's expiration date or the billing statement's payment due date.  



How can I avoid late payment fees?

You will not be charged a late payment fee if we receive at least the minimum payment due by the due date shown on your statement.  



How does the finance charge calculation work?

If the periodic rate listed in the Finance Charge Summary Section of your statement is followed by a "C", we figure a portion of the finance charge on your account each day by multiplying the daily balance for each balance (e.g., each purchase subject to promotional terms, other regular revolve credit plan purchases and other major purchase plan purchases) by the applicable daily periodic rate. We do this each day of the billing period, including the Closing Date. In addition, for each balance, we multiply the daily balance for each day of the previous billing period by the applicable daily periodic rate, unless your account was credited for the full New Balance, plus the minimum monthly payments required for your No Interest and 0% balances, on your previous billing statement by the payment due date (subject to the Promotional Balance Exceptions described above in the section titled "How can I avoid finance charges" or a periodic finance charge was already billed on that balance. To get the daily balance, we take the beginning balance for each balance every day, add any new purchases, fees, and any finance charge on the previous day's balance, subtract any credits or payments credited as of that day, and make other adjustments. A credit balance is treated as a balance of zero. The Balances Subject to Finance Charge are the averages of the respective daily balances during the applicable billing periods. If you multiply the current cycle Balance Subject to Finance Charge by the number of days in the billing period and by the applicable daily periodic rate, and you multiply the previous cycle Balance Subject to Finance Charge (if currently subject to a finance charge) by the number of days in that billing period and by the applicable daily periodic rate, and add those two figures together, the result will be the periodic finance charges assessed for that balance, except for minor variations caused by rounding. For other finance calculations, see the back of your billing statement.

CONTACT US

Write to Customer Service    
Once you have logged in to your account via Account Online, select "Help/Contact Us" and use our secure message center and check for a response within 2 business days.  

Write Us a Letter    
Home Depot Credit Services
P.O. Box 9101
Des Moines, IA 50368-9101  

Lost or Stolen Card  
To replace a lost or stolen card, call Home Depot Credit Services immediately at 1-866-875-5488.  
Disputes  
We are currently unable to offer Billing Dispute Resolutions via Account Online. For all billing inquiries, please call 1-866-875-5488 or write to the following address.
Home Depot Credit Services
P.O. Box 9100
Des Moines, IA 50368-9101  

Payment Address    
Did you know that you can make payments online? Once you have logged in to your account via Account Online, select "Make A Payment" from the menu. If you prefer to mail your payment, the address is:  

Mail Payments To:
Home Depot Credit Services
Processing Center
Des Moines, IA 50364-0000  

Western Union:
Western Union will ask for:
Your The Home Depot Credit Card account number  

Overnight Delivery:
Request Monday delivery for items sent Friday. Include a note with the credit card account number to be credited. Keep your airbill number to verify delivery of payment.  

THD/Citibank
4300 Westown Parkway West
Des Moines, IA 50266  

(If overnight delivery requires a phone number, please use the phone number on the back of your card)  

Call Us    
For Account Online Support call: 1-866-875-5488
Press 1 to reach Customer Service - for inquiries about your credit card account, as well as general questions about using Account Online. Automated service is available 24 hours a day, 7 days a week and representatives are available 6am - 2pm ET, 7 days a week.
Press 2 to reach Technical Support - for answers to technical problems with Account Online. These representatives are available 24 hours a day, 7 days a week. Please note that Technical Support representatives will not have answers to your credit card account-related questions. Select Option 1 at the prompt for Customer Service.
Additional Customer Service numbers (available 24 hours a day, 7 days a week):
Outside the U.S.: 423-467-6124
TDD/TTY: 1-888-944-2227