Toll-free·Calls Customer Service·Most popular Home Depot Credit number
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.
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 Wednesday. Details
Q:
How long will I wait on hold?
A:The average hold time is 14 minutes.The longest hold times are on Thursday, and the shortest are on Wednesday.
How do I get through the phone menu to a live person?
GetHuman researchers routinely call this Home Depot Credit phone number to document the phone system.
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.
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."
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 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
"Welcome to Home Depot credit
How would you like to access your account information?
You can say account number or Social Security number."
Excerpt from a call with Home Depot Credit
Thursday, May 2, 2024 8:15 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 2,012 calls made in the last 90 days using our free, web-based phone (see above).
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 Wednesday, which averages 64% more phone calls by comparison.Again, this is based on a sample of 2,012 calls made with our AI-powered, web-based phone in the last 90 days.
Sun
Quietest
Mon
Tue
Wed
Busiest
Thu
Fri
Sat
The shortest wait on hold
We measured the shortest hold times to be on Wednesday.The longest wait in the queue on average occurs on Thursday.
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.
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.
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.
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.
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?
Issue with credit card application: "I was approved but never received confirmation emails or card details."
- From a call lasting 15m 22s , Apr 4, 2024 11:26 PM
Report lost credit card: "I lost my wallet and need to cancel my credit card and have a new one sent to me."
- From a call lasting 7m 7s , Apr 1, 2024 5:28 PM
Payment inquiry and account setup: "So that account number, I don't know."
- From a call lasting 11m 3s , Mar 20, 2024 12:21 PM
Report lost card: "Today, my wallet was lost and the card was in the wallet."
- From a call lasting 5m 38s , Mar 18, 2024 10:46 PM
Check credit card application: "I applied for the card about a week and a half ago and want to check the status."
- From a call lasting 4m 42s , Mar 8, 2024 5:41 PM
Setting up payment arrangement: "I'm trying to set a payment arrangement on this thing, please."
- From a call lasting 8m 22s , Mar 4, 2024 8:12 PM
Concern about card being declined: "I went to use my card and it declined, and they said it was shut down."
- From a call lasting 4m 39s , Feb 26, 2024 11:36 PM
Payment inquiry: "I was just trying to make a payment."
- From a call lasting 5m 36s , Feb 26, 2024 6:36 PM
Credit limit inquiry: "I was looking at my balance and my credit limit, it went from nineteen hundred to three hundred, I wonder what happened."
- From a call lasting 10m 23s , Feb 20, 2024 2:17 PM
Credit card application status: "But I applied for a credit card last week, and I was approved."
- From a call lasting 9m 58s , Feb 18, 2024 9:53 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
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 Billing issue, Close or change account, Account issue, Complaint, 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.