Why Is THD/CBNA on Your Credit Report? Here’s Everything You Need to Know
If you’ve recently checked your credit report and spotted an entry labeled THD/CBNA, you might be wondering what it means, why it’s there, and whether it’s something to be concerned about. Let’s break it all down in simple terms so you can understand exactly what’s happening and what (if anything) you need to do about it.
What Does THD/CBNA Stand For?
“THD/CBNA” stands for The Home Depot/Citibank North America. That means this entry is related to a credit account associated with The Home Depot, which partners with Citibank North America (CBNA) to issue its store-branded credit cards.
Home Depot offers a few different credit cards, including:
The Home Depot Consumer Credit Card (for everyday purchases at Home Depot)
The Home Depot Project Loan (for larger home improvement projects)
The Home Depot Commercial Account (for business owners and contractors)
The Home Depot Commercial Revolving Charge Card (for flexible financing on business purchases)
If you have (or applied for) any of these, that’s why you’re seeing THD/CBNA on your report.
Why Is THD/CBNA on My Credit Report?
There are several reasons why this entry might appear on your credit report:
1. You Opened a Home Depot Credit Card
If you applied for a Home Depot credit card recently, Citibank did a hard inquiry on your credit, which would show up under “THD/CBNA.” Hard inquiries are a normal part of the credit application process and stay on your report for up to two years (though their impact on your score lessens over time).
2. You Were Approved for a Home Depot Credit Card
If your application was approved, Citibank opened a new credit account in your name, which is now reported to the credit bureaus. This means you’ll see an active credit account labeled as THD/CBNA with details like:
✔ Your credit limit
✔ Your account balance
✔ Your payment history (on-time or missed payments)
✔ Your credit utilization (how much of your credit limit you’re using)
All of these factors contribute to your credit score.
3. You Were Added as an Authorized User
If someone added you as an authorized user to their Home Depot credit card, the account will show up on your report, even if you never applied for the card yourself. Being an authorized user can either help or hurt your credit, depending on how the primary account holder manages the card.
4. You Applied But Were Denied
Even if you weren’t approved, the hard inquiry from your application will still appear on your credit report.
5. It Could Be an Error or Fraud
If you don’t recognize this account, it’s possible there was a mistake in reporting, or worse, someone fraudulently applied for credit in your name. If that’s the case, you’ll want to take action immediately (more on this below).
How THD/CBNA Affects Your Credit Score
The impact of THD/CBNA on your credit depends on how the account is managed. Here’s how it can affect you:
✔ Positive Impact:
- Making on-time payments boosts your credit score.
- Keeping your balance low improves your credit utilization.
- A long-standing account can increase your credit history length (which makes up 15% of your score).
❌ Negative Impact:
- Missing payments can seriously hurt your credit score (payment history is 35% of your score!).
- High balances can increase your credit utilization and lower your score.
- If you applied for multiple credit cards in a short time, the hard inquiries can temporarily lower your score.
What to Do If You Don’t Recognize THD/CBNA
If you didn’t apply for a Home Depot credit card, here’s what to do next:
1. Check Your Credit Report for Errors
Go to AnnualCreditReport.com and pull your free reports from Equifax, Experian, and TransUnion. Look for any unfamiliar applications or accounts.
2. Contact Citibank
If you suspect an error or fraud, call Citibank customer service at 1-800-677-0232 (Home Depot Credit Services). They can tell you when and where the account was opened.
3. Dispute the Entry With Credit Bureaus
If you confirm the entry is fraudulent or incorrect, dispute it with each of the three credit bureaus:
- Equifax – Dispute online
- Experian – Dispute online
- TransUnion – Dispute online
4. Monitor for Identity Theft
If you suspect fraud, place a fraud alert on your credit file through one of the bureaus (they’ll notify the other two). You might also consider a credit freeze to prevent further fraud.
Pro Tips for Managing Your Home Depot Credit Account
Set Up Payment Alerts – Missing a payment can hurt your score, so set up reminders or autopay.
Keep Your Utilization Low – Try to use less than 30% of your available credit limit to avoid score drops.
Check Your Statements Regularly – Always review your credit card statements to catch any suspicious activity.
Consider a Credit Limit Increase – If you’ve been using your Home Depot card responsibly, you can ask for a credit limit increase, which can help lower your utilization ratio.
Think Before Closing the Account – If you no longer want the card, keep in mind that closing it could reduce your credit history length and impact your score.
Final Thoughts
Seeing “THD/CBNA” on your credit report is usually nothing to worry about—as long as you recognize the account. It just means you have (or applied for) a Home Depot credit card issued by Citibank.
However, if the entry looks suspicious, it’s crucial to investigate, dispute, and take protective measures. Staying on top of your credit report is one of the best ways to protect your financial health and credit score.
Got questions? Need more help? Drop a comment below or check out more resources on Our Blog!
