Home Depot Credit Card SCRA: Citi Card Up to 29.99%, Capped at 6%

Your Home Depot card’s rate decides what the SCRA is worth to you, and Home Depot prints a range: 17.99% to 29.99%. On a $5,000 balance you owed before active duty, here is the yearly difference the 6% cap makes. (Simple interest on a balance held flat for a year; the card uses a daily balance, so your statement will differ slightly.)

Range from homedepot.com and rate from Citi’s pricing table 49-0226, both checked October 19, 2026.

Your statement shows which line is yours. Either way, the cap comes from federal law, not from the card, and you invoke it by sending orders.

Citi issues this card, not Synchrony

Lowe’s, Amazon and PayPal Credit run through Synchrony. Home Depot does not. The card agreement, version 100-THD-PL-US 0226, defines “we, us and our” as Citibank, N.A. Citi’s pricing table for the card lists a 29.99% purchase rate with “N/A” in the margin column, so it is not tied to prime, and it shows no penalty APR. Payment is due at least 25 days after each statement closes, and late and returned-payment fees run up to $41.

Citi’s SCRA desk, its two-to-three billing cycle timeline, and why the 0% you hear about is not in Citi’s published terms are on our Citi guide. Citi’s SCRA page, which loads only in a full browser and which we read that way on October 19, 2026, lists its Military Response Unit at 877-804-1082 and a mail route, Citi Military Response Correspondence, P.O. Box 790398, St. Louis, MO 63179. It never names retail cards, so confirm that the request covers your Home Depot account by name.

Six months on $299: what the promo balance includes

Home Depot’s everyday offer is six months of financing on purchases of $299 or more. The fine print on its credit center charges interest from the purchase date if the purchase balance “(including premiums for optional credit insurance)” is not cleared within the six months. Left untouched, a $3,000 purchase builds about $449 of interest over 182 days at Citi’s daily rate of 0.08216% (simple interest, illustrative balance), and the agreement bills it back to the purchase date if the promo is not paid in full.

Two card-specific rules shape that risk. First, Citi applies payments above the minimum to the highest-rate balance first, except that extra money goes to the deferred promo first only in the last two billing cycles before it expires (three, if it expires before that cycle’s due date). If you also carry a regular balance, earlier extra payments may go there instead of to the promo. Second, the promo balance can carry credit insurance premiums, which the two federal laws treat in opposite ways.

The SCRA defines interest to include fees and charges “except bona fide insurance,” so a genuine insurance premium may sit outside your 6%. The Military Lending Act does the reverse: its rule lists “any credit insurance premium or fee” among the charges built into the Military APR, at 32 CFR 232.4(c)(1)(i). Whether Home Depot’s optional coverage is bona fide insurance is a legal question this page does not settle. Either way, if you bought it, it is on your statement and worth asking about.

The agreement allows a second promo type, the Major Purchase Plan: a promotional APR on one purchase, its own fixed monthly amount, and interest starting the cycle after you buy. If yours predates service and its rate is above 6%, the cap reaches it, and under § 3937(a)(3) that fixed amount should shrink by the forgiven interest, not stay where it was.

For a promo opened before service and expiring during it, our reading of § 3937 is that deferred interest accruing after your start date is limited to 6%, with earlier months at the contract rate. Citi’s agreement is silent on it. Get the answer in writing before the expiration date.

Citi’s covered-borrower clause reaches AGR duty

If the account was opened while you were on active duty, or by your dependent, the MLA vs SCRA line puts you under the Military Lending Act. Citi’s agreement defines a Covered Borrower as an active duty member of the Armed Forces “including active Guard and Reserve duty” or a dependent of one, determined when the account opens. Its oral disclosure line is 1-877-625-6379.

Citi’s arbitration section, by its own terms, “does not apply if you are a Covered Borrower” when the account opens. The statute backs that up: under 10 U.S.C. § 987(f)(4), no agreement to arbitrate a consumer credit dispute “shall be enforceable against any covered member or dependent of such a member.” The arbitration fine print explains what that keeps open for you. Cardholders who are not covered are bound by individual arbitration unless they mailed Citi a rejection within 45 days of opening the account, though Citi says it will not start arbitration to collect a debt unless you choose arbitration or bring a claim first.

The 10% military discount is a store program

Home Depot’s military page, read October 19, 2026, gives verified service members, veterans and spouses 10% off eligible items, capped at $400 a calendar year, and excludes appliances and special orders. It is a price cut at the register, separate from whatever Citi charges on the card.

Home Depot card: before you call Citi

1. Check the account-open date and the APR on your latest Home Depot card statement. Use the eligibility checker if your service dates are complicated.
2. List each six-month or longer promo with its end date and amount, and note any credit insurance premium on the statement.
3. File with Citi’s Military Response Unit at 877-804-1082, or by mail with your orders, and name The Home Depot Consumer Credit Card account. For other card questions, Citi’s pricing table lists 1-800-677-0232.
4. Get Citi’s answer on paper: the rate it applied, the date that rate starts, and how deferred interest accruing after your start date on each promo will be handled.
5. Watch for a credit back to your start date; the refund guide covers what you are owed if it is short.
6. Mark the statute’s outside deadline, 180 days after release, with the deadlines timeline. Citi’s page says it takes requests up to one year after release, but do not plan around the longer window.

The law behind this: 50 U.S.C. § 3937

Interest ceiling on obligations from before service: read the statute , or read § 3937 in plain English, with its enforcement record .