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The Home Depot® Consumer Credit Card

The Home Depot Consumer Credit Card

Whether you're remodelling your home or taking on a simple project, The Home Depot® Consumer Credit Card is a useful tool. Using one card for your home improvement costs helps you keep track of your spending. And you can choose to make monthly payments or pay off your balance each month.

Apply today and enjoy no interest if paid in full within 6 months* on any purchases of $299 or more (including taxes) when you use your Home Depot® Consumer Credit Card†. Payments required. No administration fee for entering into this special financing plan^.

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Benefits

  • Fast application and instant credit for qualified applicants
  • Watch for special financing plans offered during the year
  • View and manage your account online
  • Make payments via mail, at your local store, or through your financial institution
  • No annual fees
Commercial Credit

Consumer Credit FAQs

  • We've got answers to many of your questions about The Home Depot® Consumer Credit Card.
  • Account Information
  • Can I use my card to purchase products on homedepot.ca?

    Yes, The Home Depot® Consumer Credit Card may be used to purchase products online at homedepot.ca.

  • What are the benefits of Home Depot Account Online?
    • View and download statements dated within the last 12 months
    • Report a missing payment or refund.
    • Request the following:
      • Reset your password
      • Billing and mailing address changes
      • Credit limit increases
      • Replacement cards
      • Credit balance refunds
      • Terms and conditions of your account
  • What should I do if my card is lost or stolen?

    Please contact The Home Depot Credit Services immediately: 1-800-747-3787.

  • How do I update my contact information?

    Please contact Home Depot Credit Services at 1-800-747-3787 or through Home Depot Account Online.

    Note: For legal name changes, please mail a copy of the appropriate legal documents (including signatures in previous and new legal names) to the following address in order to process your request:

    Home Depot Credit Services
    P.O. Box 4610, Station A
    Toronto, ON M5W 4Z6

  • How do I request a credit increase?

    Please contact Home Depot Credit Services at 1-800-747-3787 or through Home Depot Account Online.

  • What is the difference between an authorized user and a co-applicant?

    An authorized user is anyone whom the primary account holder has authorized to make purchases on their Home Depot® Consumer Account. Although the authorized user can make purchases, he/she cannot request account information or make changes to the account. A co-applicant means an individual who has signed the application as a co-applicant. The applicant and co-applicant(s) are jointly and severally (in Quebec, solidarily) liable for all of the debt.

  • How do I add authorized users to my account?

    You can mail, fax or message your request to Home Depot Credit Services through Home Depot Account Online.

    Mail: Home Depot Credit Services
    P.O. Box 4610, Station A
    Toronto, ON M5W 4Z6
    Fax: 1-866-259-1954
  • Payment Information
  • How do I make a payment?

    You can make your payment by mail, at your local store, or through your financial institution.

    • Please mail your cheque or money order to:
      Home Depot Credit Services
      P.O. Box 675, Station D
      Scarborough, ON M1R 5T4

    • The Home Depot® stores can accept payments made in cash, or by cheque. To ensure correct processing, please bring your account number or statement to the store. Click here to find the store nearest you.
  • What should I do if my payment has not been applied to my account?

    If your payment was made by mail, please allow 10 days from the mailing date for your payment to appear on your account. If your cheque has been cashed and does not appear on your statement, please mail or fax a copy of the cheque, front and back, to:

    Home Depot Credit Services
    P.O. Box 4610, Station A
    Toronto, ON M5W 4Z6
    Fax: 1-866-259-1954

  • Can I change my payment due date?

    At this time, the billing process is unable to accommodate changes to the payment due date assigned to individual accounts. Specific dates help us provide you with the highest level of service when processing your monthly statement.

  • What should I do if the payment applied to my account is incorrect?

    If your statement shows that payment was received, but it is for an incorrect amount, please contact Home Depot Credit Services directly at:

    Tel: 1-800-747-3787 (English or French)
    Mail: Home Depot Credit Services
    P.O. Box 4610, Station A
    Toronto, ON M5W 4Z6
    Fax: 1-866-259-1969
  • Interest Charges
  • How can I avoid paying interest charges on deferred interest (Same as Cash) special financing plans?

    For deferred interest plans, interest accrues from the purchase transaction date and will be waived if each minimum monthly payment required during the promotional period is paid in full by its payment due date and the purchase price is paid in full by the plan expiration date. If not, interest will be charged at an Interest Rate of 28.8% per annum in accordance with the Consumer Cardholder Agreement.

  • Contact Us
  • Who do I call if I have questions about my account?

    You can reach The Home Depot Credit Services at 1-800-747-3787. A customer support representative will assist you with any questions or changes to your account.

  • Can I contact The Home Depot Credit Services via e-mail?

    Not at this time. However, you can write to Customer Care with secure messaging by accessing your Home Depot Account Online.

*Interest accrues from the purchase transaction date and will be waived if each minimum monthly payment required during the promotional period is paid in full by its payment due date and the purchase price is paid in full by the plan expiration date. If not, interest will be charged at an Interest Rate of 28.8% per annum in accordance with the Cardholder Agreement.

†On approved credit. Financing provided by Home Depot Credit Services, a unit of Citi Cards Canada Inc. This offer is valid at The Home Depot Canada outside of Quebec. Offer not available to Quebec residents.

^See the Consumer Cardholder Agreement and Disclosure Statement for other fees and charges that apply to the account.

(For Quebec residents)

*Credit charges on your promotional purchases will accrue from the date of the purchase and will be waived if each minimum monthly payment required during the promotional period is paid in full by its payment due date and the purchase price is paid in full by the plan expiration date.

If not, interest will be charged at a Credit Rate of 28.8% per annum in accordance with the Consumer Cardholder Agreement. During the promotional period, each minimum monthly payment is equal to 1.0% of Purchases or $10, whichever is greater, plus other amounts as described in your Cardholder Agreement and as set out in your monthly Account Statement.

For Debt to which a Regular Financing Plan applies, each minimum monthly payment is equal to 1% of Purchases, Cash Advances (if any), plus related interest or $10, whichever is greater, plus other amounts as described in your Consumer Cardholder Agreement and as set out in your Account Statement.

The billing period covered by each Account Statement will be approximately 28 to 31 days. Examples of borrowing costs at the standard credit rate of 28.8% per annum (assuming a regular financing plan balance owing during a 30 day month covered by the Account Statement and no other credit plans, fees, additional payments or other charges). All amounts (rounded to the nearest cent) are as follows:

If your average daily
Interest-Bearing balance is:
Your monthly credit
charge will be:
$100 $2.36
$800 $18.93
$1 400 $33.14
$2 000 $47.34

† On approved credit. Financing provided by Home Depot Credit Services, a unit of Citi Cards Canada Inc. This offer is valid at The Home Depot locations in Quebec only.

^ There are no annual membership or renewal fees which apply to the account, and there is no administration fee for entering into this special financing plan. See the Consumer Cardholder Agreement and Disclosure Statement for other fees and charges that apply to the account.