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Home Depot Credit Card: Login, Payment, and Customer Service

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Home Depot is a behemoth when it comes to home improvement retail stores. They have 2,322 stores across North America, with an average size of 105,000 square feet of indoor retail space, serviced by over 490,000 employees and generating more than $151 billion a year in revenue.

And if that's not enough, they've also developed an e-commerce business offering more than one million products for the "DIY customer, professional contractors, and the industry's largest installation business for the Do-It-For-Me customer."

Fortune put them on their Most Admired list and ranked them #1 in specialty retail. They created a Home Depot Foundation, working to "drive sustainable change and social equity in…local communities…"

To date, Home Depot offers three different credit cards — two consumer cards and a company card: Consumer Credit Card, Project Loan Credit Card, and Pro Xtra Card.

  • The Consumer Credit Card gives you special financing on purchases of $299 or more and up to 24-month financing during special promotions.
  • The Project Loan Credit Card is designed for larger renovation projects with a line of credit of up to $55,000 with up to 84 months to pay off the loan and no annual fees.
  • The Pro Xtra Card is a revolving account tailored to your needs. It also offers rewards and low monthly payments.
  • They also offer a Commercial Account Card, but you'll need to pay the balance in full every month. You can issue buyer ID cards with set spending limits and detailed purchase information to key employees.

All the cards are issued by Citibank and are for use exclusively at Home Depot stores and through the Home Depot website.

Solution iconHere's how to use your Home Depot credit card, including logging in to your online portal, making payments, and getting in touch with customer service.

Go Online

Here's where to go online if you're interested in applying for one of their cards:

Once you've been approved for one of these cards, you will need to create an online account.

Home Depot My Account Creation

For your Consumer Credit Card or Project Loan Credit Card, go here and provide your:

  • Email address
  • Password
  • Zip code
  • Phone number

Once done, you'll be redirected to your credit card account to start the "linking" process.

For your Pro Xtra Card, go here and provide your:

  • Email address
  • Password
  • Company name
  • First name
  • Last name
  • Phone number
  • Company address
  • Your business or trade

Once done, you'll be redirected to your credit card account to start the "linking" process.

Sign in to your Consumer Credit Card or Project Loan Credit Card, or sign in to your Pro Xtra Card.

Home Depot Online Sign In

Once you're signed in with your email address and password, you can:

  • Pay your bills
  • Track account activity
  • Get exclusive offers
  • Activate account alerts

If you've forgotten your password for any of the Home Depot cards, you can request a link to reset it.

Home Depot Password Reset

If you don't get an email within 15 minutes, or if you've forgotten the email address associated with your account, you'll need to contact customer service.

To make online payments, log in to your account and then:

  • Click the Payments menu.
  • Click the link to authorize your bank to electronically debit your checking or savings account using your:
    • Bank account number
    • ABA routing number
  • Click the link to make a payment
  • Set up AutoPay (optional)

Note: You may have to wait up to 15 days to make an additional online payment if Home Depot's system can't validate your banking information after the first payment.

If you already have Online Account Access, use your existing username and password to sign in to the mobile app. If you don't yet have an account, set up Online Account Access on their website or from the sign-in page on the mobile app.

You can conveniently manage your credit card accounts with this app. Schedule one-time or automatic monthly payments, view account activity, balances, payment history, and offers, find items with their Image Search feature, and use the Barcode Scanner to instantly turn a UPC or QR code into product details, ratings, and reviews.

Download the apps:

Make a Phone Call

Home Depot has many toll-free phone numbers, depending on the issue you need to have resolved:

  • Their best phone number is: 1-800-553-3199
  • For consumer credit card accounts, call: 1-800-677-0232
  • For anything related to the Project Loan credit card, call: 1-877-476-3860
  • For anything related to the Pro Xtra card, call: 1-800-685-6691
  • For commercial accounts, call: 1-800-395-7363
  • For customer care, call: 1-800-466-3337
  • For billing, call: 1-800-793-3768
  • For purchasing, call: 1-800-430-3376
  • To discuss a Direct Stock Purchase Plan, call: 1-800-577-0177
  • For home services, call: 1-800-466-3337
  • For government customers, call: 1-866-589-0690
  • For screen reader problems with their website, call: 1-800-430-3376
  • For website feedback, call: 1-800-436-4654
  • To find a store, call: 1-800-466-3337
  • For product recalls, call: 1-800-638-2772
  • To purchase gift cards, call: 1-800-430-3376

Calls are answered:

  • Mon-Sat 6 am - 12 am EST
  • Sun 7 am - 12 am EST
  • The best time to call is 8:15 EST
  • Get to a live person faster by dialing the phone number and:
    • Pressing 1, then 5
    • Pressing 1, then 3 for problems with an order

You can also text their Online Customer Support by texting: "SUPPORT" to 38698

Woman Making a Phone Call

To contact their departments using tolled numbers:

For Corporate Office, call: 1-770-433-8211

For Media Relations, call: 1-770-384-4646

For Investor Relations, call: 1-770-384-2871

Get in touch with Home Depot customer service faster by going to GetHuman's website. Type in "Home Depot" in the search bar, and you'll find the store's customer service number.

Home Depot Phone Number

The site also gives you the following:

  • The current wait time to talk to a human
  • The option to skip waiting on hold
  • The opportunity to get targeted help for:
    • Account access
    • To get banking help
    • To cancel your account
    • To dispute a charge
    • If you are having trouble sending a payment
    • If you have a different issue

You can also choose to chat with an expert online now with Get Human's Just answer experts.

Send a Letter

Person Putting Together a Letter

Send correspondence to Home Depot's head office:

Home Depot

2455 Paces Ferry Road

Atlanta, GA 30339

Mail your credit card payment to:

Home Depot Credit Services

P.O. Box 6405

Dallas, TX 75265

Go See the Home Depot Head Office

Home Depot Head Office Address

You can visit the Home Depot head office at:

Home Depot

2455 Paces Ferry Road

Atlanta, GA 30339