Home Depot Credit Customer Service

Phone Number & Contact Info

Home Depot Credit's Best Phone Number

800-677-0232
Toll-free·Calls Customer Service·Most popular Home Depot Credit number·We talk to customer service for you·Skip the wait on hold·Call now
Q:

How do I talk to a live human at Home Depot Credit?

A:Must either enter your card number or your social security number to speak to someone. You can also use our free service that can talk to Home Depot Credit for you and report back.
Q:

Does Home Depot Credit offer 24 hour customer service?

A:Yes! This call center operates 24 hours a day, 7 days a week. The least busy day is Sunday, and the most busy day is Tuesday.
Q:

How long will I wait on hold?

A:The average hold time is 15 minutes. The longest hold times are on Tuesday, and the shortest are on Friday. You can skip the hold time for free.

How do I get through the phone menu to a live person?

Consider using our free service that calls and talks to customer service for you, then sends you a report. Or use our free service that waits on hold and tells you when a human rep is on the line. But if those options don't appeal to you, our team has also documented the phone menu for Home Depot Credit below.

Let us call and talk to Home Depot Credit for you

Our AI powered phone can dial, navigate the phone menu, wait on hold, and even talk to customer service for you, for free. You don't even need to learn about the path through the various phone options.

We can get a live person on the line for you

That same, free GetHuman Phone can call and navigate the menus and wait on hold for you, but you can opt to do all the talking. We notify you when a rep is on the line and ready to talk, so no need to worry about changing menu options and weaving your way through the maze.
Of course, we completely understand if you prefer to do all the dialing, waiting, and talking yourself. All of these free tools are optional.
GetHuman researchers routinely call this Home Depot Credit phone number to document the phone system.
Here is how our research team describes the way the Home Depot Credit phone system greets you: How would you like to access your account information? You can say "account number" or "social security number."
Here is our latest tip for weaving through the phone menu to get to a real person the fastest: Must either enter your card number or your social security number to speak to someone.
Below are some clips we've found from Home Depot Credit's phone menus and tips that help give an idea of what you will encounter when you call. We've highlighted why they are important as well:

Heard when the phone system first answers

"Welcome to Home Depot Credit Services. This call may be monitored or recorded. You are now in our speech enabled system. To access our touch tone system, press star star at any time. We may be able to locate your account with just the last four digits of the account number. Please touch tone or speak the last four digits of your account number now."
Excerpt from a call with Home Depot Credit
Sunday, January 7, 2024 11:14 PM

They may ask your reason for calling (instead of a menu)

"Welcome to Home Depot Credit Services. This call may be monitored or recorded. How can I help you today?"
Excerpt from a call with Home Depot Credit
Sunday, May 19, 2024 9:17 PM

They may ask you to enter information with the dial pad

"Welcome to Home Depot Credit Services. This call may be monitored or recorded. You are now in our speech enabled system. To access our touch tone system, press star star at any time.
Would you like to access your account information? To use your account number, say account number or press one.
To use your Social Security number, say so please enter or speak the primary cardholder's full nine digit Social Security number."
Excerpt from a call with Home Depot Credit
Tuesday, February 27, 2024 1:45 AM

They may ask you to say or enter information

"This is an attempt to collect a debt. Any information obtained will be used for that purpose. Your account is past due. The total amount due as of today is sixty one dollars.
Of which twenty nine dollars is past due You can make a payment with our pay by phone automated system or tell us about a payment you have made or will be making.
You can say, make a payment, future payment, payment made,"
Excerpt from a call with Home Depot Credit
Sunday, May 12, 2024 6:34 PM

The first phone menu

"Welcome to Home Depot Credit Services. This call may be monitored or recorded. How would you like to access your account information?
To use your account number, say account number or press one.
To use your Social Security number, say Social Security number or press two."
Excerpt from a call with Home Depot Credit
Thursday, April 4, 2024 11:26 PM

What are the hours and when should I call?

Home Depot Credit operates the call center for this 800-677-0232 phone number 24 hours, 7 days. The short answer is that you should call on a Thursday. This observation and the following section are based on analysis of a sample set of 2,510 calls made in the last 90 days using our free, web-based phone (see above).

Automatically call when they open

When you use our free AI-powered phone to call and talk, wait on hold, or navigate for you, it will automatically wait until the Home Depot Credit call center opens before trying to call. It will ask your permission before it places the call, so you can also further delay that scheduled call until you are ready. But that means you can "set it and forget it" ahead of time.
An important note: busy times vs hold times vs best time to call
When we refer to busy or less busy times, we are talking about the volume of calls. The busiest times are when the most people are calling this Home Depot Credit phone number (least busy times have fewer people calling). This high call volume does not necessarily mean that you will have a long hold time when you call. Companies like Home Depot Credit staff their call centers differently based on the time of day and day of the week, so you may experience a shorter wait on hold at the busiest of times. When we refer to the best time to call, we are referring to the optimal combination of lower call volume and shorter wait times.

The least busy time to call

The least busy day to call Home Depot Credit is Sunday. The most busy day to call is Tuesday, which averages 64% more phone calls by comparison. Again, this is based on a sample of 2,510 calls made with our AI-powered, web-based phone in the last 90 days.
Sun
Quietest
Mon
Tue
Busiest
Wed
Thu
Fri
Sat

The shortest wait on hold

We measured the shortest hold times to be on Friday. The longest wait in the queue on average occurs on Tuesday.
But if you use our free call and talk for me or wait on hold for me service, you don't really need to worry about average wait times.

The best time to call Home Depot Credit

In summation, the best day to call Home Depot Credit is Thursday.

Why Customers Call Home Depot Credit

If you have time to do a bit of reading before you call Home Depot Credit, we recommend you read over some of our problem-specific articles.

What is Home Depot Credit?

Home Depot Credit refers to the various credit options provided by Home Depot, a leading home improvement retailer. It enables customers to finance their purchases and manage their expenses effectively. Home Depot offers two main types of credit: the Home Depot Consumer Credit Card and the Home Depot Project Loan. The Consumer Credit Card allows customers to take advantage of special financing promotions and discounts on eligible purchases. It offers flexibility in terms of payment options and provides exclusive cardholder benefits. On the other hand, the Project Loan is a line of credit specifically designed for larger projects, offering fixed monthly payments and extended repayment terms. Both credit options aim to provide customers with affordable solutions to complete their home improvement projects and make purchases more convenient and accessible.

What are the credit requirements for obtaining Home Depot Credit?

To obtain Home Depot Credit, there are certain credit requirements that need to be met. The specific requirements, including credit score thresholds and other factors, may vary depending on the type of credit product you are applying for, such as a Home Depot Consumer Credit Card or a Home Depot Project Loan. Generally, Home Depot requires applicants to have a fair to excellent credit history with a credit score of 650 or higher. However, it's important to note that creditworthiness is evaluated on a case-by-case basis, taking into consideration factors beyond just credit scores. Home Depot may also consider an individual's income, debt-to-income ratio, and past payment history. To determine if you meet the credit requirements, it is recommended to apply online or visit a Home Depot store to inquire about your specific circumstances.

What is the credit limit for Home Depot Credit Cards?

The credit limit for Home Depot Credit Cards in Canada varies based on various factors such as creditworthiness and financial history. Home Depot evaluates each applicant individually and sets a credit limit accordingly. The initial credit limit is usually determined at the time of approval. However, customers have the opportunity to request an increase in their credit limit over time as they establish a positive payment history and maintain a good credit score. It is advised to contact Home Depot Credit customer service or visit their website for more information on credit limits and how to request a limit increase.

Top Home Depot Credit customer service problems

Click the link above to get answers to just about any Home Depot Credit customer service question, including step by step guides for the most complex issues. You can also detail a new issue and get answers instantly.
Below is a sample of recent calls to Home Depot Credit, and their purpose. Are any of these similar to the reason you are trying to call?
Account number provided: "Six two two two."
- From a call lasting 1m 17s , Jul 13, 2024 2:42 PM
Making payment: "I want to make a payment on my Home Depot Credit account."
- From a call lasting 6m 50s , Jul 10, 2024 3:51 PM
Seeking credit account support: "I need help with my credit account, specifically speaking to a credit manager or customer service."
- From a call lasting 6m 3s , Jul 8, 2024 9:28 PM
Request to speak to human: "I need to speak with a human representative, please."
- From a call lasting 3m 40s , Jul 8, 2024 7:01 PM

More Home Depot Credit Customer Service Contacts

There are of course other ways to contact Home Depot Credit customer service besides the phone. Below we list the best ones, by medium.

Home Depot Credit Customer Help Desk / Web Support

homedepot.com - Customer Service
Online customer service support
As a last, sometimes only, resort- Home Depot Credit customer service can be accessed through their website. This can entail digging through help articles before finding a form and "being allowed" to submit a problem to their team, and rarely leads to a real-time conversation, which is why GetHuman does not recommend this unless it's the only way.

Conclusion and closing notes

This is Home Depot Credit's best phone number, the real-time current wait on hold and tools for skipping right through those phone lines to get right to a Home Depot Credit agent. This phone number is Home Depot Credit's best phone number because 24,786 customers like you used this contact information over the last 18 months and gave us feedback. Common problems addressed by the customer care unit that answers calls to 800-677-0232 include Close or change account, Complaint, Billing issue, Account issue, Order issues and other customer service issues. The Home Depot Credit call center that you call into has employees from Georgia and is open 24 hours, 7 days according to customers. In total, Home Depot Credit has 1 phone number. It's not always clear what is the best way to talk to Home Depot Credit representatives, so we started compiling this information built from suggestions from the customer community. Please keep sharing your experiences so we can continue to improve this free resource.

GetHuman does not provide call center services or customer support operations for Home Depot Credit. The two organizations are not related. GetHuman builds free tools and shares information to help customers of companies like Home Depot Credit. For large companies that includes tools such as our GetHuman Phone, which allows you to call a company but skip the part where you wait on the line to get a live human rep. We continue to work on these tools to help customers like you (and ourselves!) navigate the messy phone menus, hold times, and confusion with customer service. As long as you keep sharing it with your friends and loved ones, we'll keep doing it.

Call with our free super-powered phone
  • Can talk to customer service for you
  • Can wait on hold for you
  • Automatically re-schedules if they're closed
  • Get a summary & transcript after
  • Easy to re-try if needed
  • Free and no account needed

Compare Home Depot Credit Customer Service

Was this page helpful?YesNeeds work
Sharing is what powers GetHuman's free customer service contact information and tools. You can help!