Commercial Card FAQs

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Commercial Revolving Card FAQ

What is Joint & Several Liability?

Joint and Several Liability means that both the business and the individual may each be held fully liable for all obligations under, and all amounts due on, the account in the event the company defaults. Today, we require all CRC applications to include a personal guarantor. A personal guarantee helps businesses that may not otherwise have enough credit history to be able to establish a commercial account. Giving us your personal guarantee will expedite the processing of your application, especially if you have a small or young company.

Commercial Account FAQ

What is a Personal Guarantee? Should I give you my personal guarantee?

You will be held personally liable for all obligations under, and all amounts due on, the account in the event the company defaults. A personal guarantee helps businesses that may not otherwise have enough credit history to be able to establish a commercial account. Giving us your personal guarantee will expedite the processing of your application, especially if you have a small or young company.

All Home Depot Commercial FAQs

What is a personal guarantee?

A personal guarantee helps businesses that may not otherwise have enough credit history to be able to establish a commercial account. Giving us your personal guarantee will expedite the processing of your application, especially if you have a small or young company. By giving us your personal guarantee, you are held personally liable for all obligations under and all amounts due on the account, in the event the company defaults.
  

Should I give you my personal guarantee?

Yes, if your company:

  • Has less than $2MM in annual sales or revenues
  • Is less than 2 years old
  • Has fewer than 10 employees
  • Or is a partnership or proprietorship

Can I make payments and manage my account online?

Yes, you can make payments and manage your account online through Citi's online account portal. 

What payment methods can I use?

You can make payments by mail or online. 

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 12 a.m. EST at the payment center 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 if it 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.    

Can I sign up for online-only statements?

  • View and print up to a year's worth of recent statements and invoices
  • Receive an email notification when the monthly statement is ready to view
  • Access your account information online anytime


You will need to enroll and log into the Citi Account Online portal for your card

Can I track my purchases with my account?

Yes, all purchases made on your Commercial Account or Commercial Revolving Charge Card are itemized on your monthly billing statement. You can also track purchases by purchase order, job name, job number or buyer name - the choice is yours.

How do I add or delete authorized buyers on my Commercial Account ? 

Through Citi's online account portal, select the "Manage My Account" link, and then click on "Maintenance Request" to complete your addition/deletion.

 You may also fax your authorized buyer additions on company letterhead, to Home Depot Credit Services at 1-888-266-7308. 

 To delete an authorized buyer please call Home Depot Credit Services at 866-875-5490.