Home depot credit card report code 25 2025

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To qualify for a Home Depot Business Credit Card, youll need to log certain business information and offer a personal guarantee to back your account. In addition, Home Depot typically requires a credit score of at least 620 or higher.
Credit score requirement: A credit score of 640+ (fair credit). Age requirement: Must be at least 18 years old. If youre under 21, you must provide proof of independent income or a cosigner. Residency requirement: You must be a US resident.
For fair credit (580 to 669): A fair credit score of around 650 is the minimum credit score for business credit card. With it, you can qualify for some unsecured business credit cards, like the Spark Classic For Business.
You can get a Home Depot credit card with a 600 credit score, but its tough. Home Depot usually looks for a minimum score of 640 for approval. They also check your income, employment status, and overall credit history during the application. Even with a low score, strong financial factors can boost your chances.
THD/CBNA stands for The Home Depot/Citibank North America. Home Depot credit cards are issued through Citibank North America, so youll likely see a hard inquiry from Citibank on your credit report if youve recently applied for a Home Depot credit card.
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Response Code: 25 - Unable to Locate Record on File. The customers card issuer does not recognise the credit card details. The customer should check the card information and try processing the transaction again.
The decline code 25: Unable to locate record in file in a credit card transaction typically indicates that the information provided for the transaction does not match any records on file with the credit card issuer or the processing network.

home depot credit card report code 25