How to Make a Home Depot Credit Card Payment: Online, Phone or Mail

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Home Depot Inc (NYSE:HD) is a department store that offers home improvement products for bathrooms, kitchens, gardens, as well as cleaning appliances, construction materials, paints, floors, lighting, and much more. In 2014, the company launched its e-commerce platform so customers could check their online catalog and make purchases.

In this article, you will find information about the Home Depot credit card and the Home Depot credit card login, how to make payments via an account online, and much more regarding payments of this quite handy consumer card.

Online Account Access

To make payments and manage your Home Depot credit card, the first thing is, you must have an account online.

Home Depot Account Login

Since the Home Depot credit card is issued by Citibank —Citigroup Inc (NYSE:C), you must log in to the account online by clicking here. Like any other consumer credit card, a bank offers an online account service on behalf of the retailer.

Home Depot Credit Card Services

The Home Depot credit card offers you several perks and benefits including hassle-free returns for one year, and financing on purchases starting at $299. Holders of this consumer credit card also have special credit offers with up to 24 months of exclusive financing. However, beware of the $40 late fee that will apply if you don’t pay on time!

So, if you’re one of those fortunate Home Depot credit card holders, let’s take a look at how to make payments.

Home Depot Pay by Phone Number

Besides the above-mentioned Home Depot credit card login, which helps you manage your card and make payments via an account online, you can make phone payments. To do so, you must dial the Home Depot credit card phone number, 800-677-0232. It’s as easy as following the prompts to make a phone payment!

Home Depot Credit Card Billing Address

To make payments by mail, you can use the following address:

The Home Depot Consumer Credit Card Payments

Home Depot Credit Services

P.O. Box 9001010, Louisville, KY 40290-1010

Customer Service Hours

Besides offering you online account access, consumer cards give you the possibility to contact customer service, whether it be for payments or any other inquiry. In the case of the Home Depot credit card, you can contact the service team between 6 a.m. and 1 a.m. EST, Monday-Saturday, or on Sunday between 7 a.m. and midnight EST.

How To Make a Home Depot Credit Card Payment


By having online account access, you can make Home Depot credit card payments. Just follow these steps:

  1. Before you start, find your bank account number and the ABA routing number.
  2. Go to the Home Depot consumer credit card login page.
  3. Log in to your account by entering your login credentials —username and password.
  4. Follow the prompts to continue.

You can also manage your Home Depot credit card online. Besides making payments, you can also follow your account activity, secure great exclusive offers, and turn on account alerts.

By Phone

To make payments by phone, you have to call the Home Depot credit card phone number, 800-677-0232. Then, you just follow the prompts —don’t forget that you can get customer service assistance on the same number!

By Mail

You can also pay your Depot consumer credit card via mail by sending the return envelope and payment coupon available with your monthly statement. If you can’t get hold of it, just follow these steps to make a payment:

  1. Log in to your Home Depot account, go to the “Statements” tab in the “Account Activity” menu. Once there, you can download your statement in PDF format.
  2. Place the payment check in an envelope and write your account number in the memo section for the store to identify it.

You must send the envelope to:

The Home Depot Consumer Credit Card Payments

Home Depot Credit Services

P.O. Box 9001010, Louisville, KY 40290-1010

Via the Mobile App

Follow these simple steps:

  1. Download and open the Home Depot app on your device.
  2. Tap “More” at the bottom right side of your screen.
  3. Tap “Credit Services.”
  4. Choose your credit card.
  5. Select “Pay and Manage” next to the card.
  6. Follow the prompts and off you go!


Can I Pay My Home Depot Credit Card Over the Phone?

Yes, as explained above, by dialing 800-677-0232, not only can you make payments but also contact the customer service department for any inquiries and actual payment assistance!

What Payments Does Home Depot Accept?

At all locations in the U.S., Home Depot accepts cash, both debit and credit cards, personal checks, Home Depot gift cards, and, of course, the Home Depot credit card.

Can I Use My Home Depot Credit Card Online?

Sure, you can. You can use the card to make payments online on!

Does Home Depot Credit Card Report to Credit Bureaus?

Home Depot relies on several credit bureaus to check the eligibility of credit card applications. These include Equifax, Experian, and TransUnion.

Will Home Depot Beat Amazon Prices?

“You can indeed get an online price match when shopping via Home and finding a lower online price elsewhere. But they’ll factor in shipping costs when figuring out the price match. Also, when price matching the items must be sold directly by Amazon and not a 3rd party seller.”

Final Thoughts

The Home Depot credit card is an excellent option if you’re a loyal depot customer. With several possibilities to manage and make a payment, the card also offers great perks and benefits that are hard to resist.

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