THD CBNA: Is It Hurting Your Credit Score – Know Few Things

Are you applying for a credit card? Did you already apply for it? Credit cards are an important part of our life. More importantly, there are certain times when cash is useless and we have to use credit cards. However, most finance experts asked us not to use credit cards because unnecessary inquiries on a credit card can be stressful.

Furthermore, the main reason is that most of us do not know how to use credit cards, and not to mention, we all end up in debt. If you know how to use a credit card responsively, you will be in a much better position to pay off a credit card than a debit card.

Therefore, if you keep your transaction at a minimum level, you will be in a much better position to use credit cards. Similarly, you may have noticed that whenever you apply for a credit card your credit score matters. In addition, Whenever you apply for a new credit card, a new account on your credit report is listed. Most probably it is listed as THD CBNA. In addition, it means that CitiBank has applied for a credit inquiry in your name. Does it steal your identity, or hurt your credit score?

Why does credit score matter?

In the first place, the banks or lenders must check how good your creditworthiness is. In case you have applied for credit in terms of the card, loans, mortgages, auto loan your lender is supposed to ask for such details. Moreover, this checking leads to assigning interest rates and terms upon approval of your loans.

In like manner, some landlords or insurance companies also ask for such checking of credit score. So, as you have a good credit score, it conveys a positive signal towards the approval of your loans too. In addition, it also proves your overall trustworthiness through THD CBNA.

This is important when taking out a mortgage since it helps banks determine how likely you are to repay your loans. Your payment history and capacity to pay your obligations on time determine the score, which ranges from 400 to 850 points. Your credit rating will suffer as a result of delayed payment. The higher score, the better a borrower looks to potential lenders. The open accounts, payment history, and total debt levels are the credit history.  Your credit rating will suffer as a result of delayed payment.

How does THD CBNA credit card work?

There are two main scoring agencies like FICO and VantageScore. In addition, they may ask for information about your credit from three credit bureaus as Equifax, Experian, and TransUnion. Correspondingly, your score may vary as a credit score will apply to various scoring techniques. It is up to lenders who choose the scoring technique to calculate your creditworthiness. Sometimes it can be specific to the loan type. Furthermore, your account may get THD CBNA inquiry.

Texas Home Improvement store North America refer to as THD/CBNA. If you’ve registered for a credit or debit card from Of the Lowes or been added as an authorized person on these cards, it might show up on your credit file as a hard inquiry.

As a matter of fact, nearly one-third of your credit score depends on the owing amount and combination of your total debt. “Credit utilization” showcases whether you are able to manage your finances or not. Correspondingly, it means if your score is high, most likely you will not be able to pay off your debt quickly. Similarly, a low score shows that you can pay off by regular intervals.

What is CBNA?

You might be wondering what is CBNA THD? Whenever you apply for credit from such a financial institution, they always look into your past details which show your history of money lending. Of course, you probably may not have heard this thing before and several questions are racing on your mind. As a matter of fact, it is all about the hard inquiry initiated by CitiBank. CBNA is a credit report code that stands for Citibank North America. In the U.S citi is the fourth largest credit card user. 

If you recently applied for one or have a Home Depot credit card THD/CBNA will appear on your credit report. 

When a bank or credit card company pulls a hard inquiry on you that means the potential lender is reviewing your credit because you have applied for credit with them.

However, the interesting part is that if you have applied for a credit card, you do not need to be worried about the THD CBNA report. Home Depot has three different types of retail cards which are offered by financial institutions like CitiBank. There are other retail stores like Best Buy, L.L. Bean, ExxonMobil, and Shell which also issue cards where CBNA is mentioned.

Importance of CBNA THD

  • The Credit Reporting agency of America is a debt recovery organisation that works on behalf or fourth corporations to collect overdue debts.
  •  If you see the CBNA accounts on your credit report, it means you have had an overdue charge that they are seeking to collect.
  •  If that’s the situation, you will most likely get phone calls and letters from them.
  • Local Bank NA is a local bank that serves citizens of Philadelphia And new York with personal and business banking services. 
  • If you dealt with Local Bank NA to qualify for a loan, you might just have a CBNA entry.

Hard inquiry in the THD CBNA credit card

This is a code for a credit report. It is normally initiated and authorized by The Home Depot/Citibank North America. However, if you do not apply for it and they have initiated some inquiries, then it is something more serious. Of course, try to find out more about what THD CBNA CREDIT CARD is all about and what an inquiry may mean.

Furthermore, this thing only happens when you apply for a credit card which is issued by Home Depot and Citi.CBNA is all about CitiBank North America which is one of the biggest and largest issuers of credit cards in entire North America. The best thing is that through this inquiry, they follow up on your financial desires and lending capacity as well as trustworthiness.

The Home Improvement store North America is referred to as THD/CBNA. If you’ve registered for a credit or debit card from Of the Lowes or been added as an authenticated person on one of these accounts, it might show up on your credit file as a difficult inquiry.

How long may you face hard inquiry in CBNA on a credit report?

In case of hard inquiry, it can remain on your credit card for over two years. Additionally, it is recorded each time you inquire. It is made by all three major credit bureaus – Equifax, Experian, and TransUnion. However, a single inquiry like THD CBNA does not always impact your CBNA credit card. Comparatively, if you have two or more credit inquiries within 2 years, you can stay aware of the damage that it can cause.

  • your payment history;
  • your credit mix (the variety of credits under your name).
  • the length of your credit history
  • your credit utilization ratio

If you discover a CBNA item on your credit file but haven’t sought for loans in a long time, you’re likely a victim of fraud. Anyone who has access to your Ssn can take loans and register for credit and debit cards in your name, putting you in debt. There was also the possibility that the record is a mistake that may be remedied by submitting a dispute with the credit agency.

What is a soft inquiry for THD CBNA credit card?

Comparatively, a soft inquiry is made normally without your permission. When a creditor checks your score without your acknowledgment, you may not see THD CBNA against your account.

As a matter of fact, this is more like a lender who has initiated some inquiry because you have asked for some pre-approval quote. As a matter of fact, this is more like a lender who has initiated some inquiry because you have asked for some pre-approval quote. Credit reports inquiries have a negative impact on your credit score. A hard credit check will deduct less than five points from most people’s credit files. A credit check, on the other hand, may affect more if you simply have a few credit accounts or a short good credit. Having a large number of hard credit queries in a short amount of time might also harm your credit rating.

You do not need to apply for a loan in such a case. Uniquely, soft inquiries can be done anytime even just to check your current credit situation. However, it has no impact on your credit score as such.

What are the ways to remove hard inquiry on CBNA credit?

There are over three different types of The Home Depot retail credit cards as we mentioned before. Furthermore, it is not possible to remove the hard inquiry from reports. Likewise, after two years of inquiry, it should automatically be wiped out from the report. Now the main problem remains with the THD CBNA unauthorized hard inquiry which is stressful. Let’s find out some strategies to solve your problem.

Few steps which might be helpful to protect yourself from unauthorized THD CBNA CREDIT CARD inquiry:

The effect of a hard inquiry on your creditworthiness is determined by your unique circumstances. They have had the ability to lower scores and make it much more difficult for qualifying for credit for certain people, while they scarcely make a difference for others. One can file a disagreement letter and ask the bureau to delete an unlawful or erroneous tough query in your record if you locate one.

Unless consumer’s credit bureaus conclude that your disagreement is frivolous, they must examine your petition.

There are a few steps that might be helpful to protect yourself. Follow the few steps which might answer your problems.

1. Get proof of authorization

In the first place, you have to check out the legitimacy of the hard inquiry. There are many cases where illegitimate CBNA credit card inquiry occurs. As a matter of fact, in this digital era, identity fraud is not a new thing and it leads exactly towards it. You should always contact the company that has pulled credit by your name. Moreover, if you have authorized the credit, you can always ask for proof.

2. Report your fraud during CBNA THD credit card inquiry

Always try to report anything which you feel is suspected as fraud. Moreover, you can go through the Federal Trade Commission’s website where you can report the suspected problem. In addition, you can also file a police report. Furthermore, try to freeze your account from further abuse from fraudsters.

 Thus, you can secure your personal financial information from fraudsters. Try to contact some of the credit bureaus who are responsible for CBNA THD credit card inquiry too. However, you should keep in mind that you cannot get approval for any new financial product. Though it will not affect much but the fraudsters.

3. Speak to credit bureaus

The Federal Trade Commission is the place where you can submit documentation. Furthermore, you can ask them to freeze your credit report. Contact each credit bureau separately to completely freeze your credit. If you decide to freeze your credit. While the freeze is in place your credit from further attacks will be protected. Having said that additionally, you can speak to each credit bureau to get a free alert from them. In the first place whenever you have a disputed inquiry regarding a credit score, credit bureaus should always investigate and try to remove inaccurate information. In like manner, if you have applied for any of Home Depot’s credit cards, THD CBNA might be attached to your credit card.

4. Fraud alerts

Place a free 90-day fraud alert with each of the three credit bureaus. After you contact the credit bureaus to freeze your credit, you can also request fraud alerts from them. Before creditors extend credit in your name they need to verify your identity through extra steps.

5. Dispute Unauthorized inquiry

Dispute the unauthorized inquiry with the credit bureaus is the best way. The credit bureaus help to required to investigate and remove any information that turns out to be inaccurate. Unauthorized inquiries are easy to remove, 

For authorized users of  THD CBNA CREDIT CARD

Unlike other credit cards, CBNA on credit reports might be a positive sign for authorized users. Correspondingly, when your primary account holder has a good credit score and if you get added to an account of an authorized user, you can certainly build a credit score. Thus you will not be responsible for repaying the debt as well as you can purchase up to the credit limit of the primary account holder. However, there is a downside.

Someone who has been granted permission to use a person’s credit or debit card is known as an authorized user. The approved user receives a card in their name that is connected to an original account number profile once the initial consumer checks off on the approval.

In case the primary person responsible for paying debt misses. The payment deadline or uses more than authorization, your credit score can be affected. In the first place, if there is a mistake where you got a THD CBNA account inquiry but you have not asked for a CBNA credit card, you can ask to remove it. Additionally, it will be ideal for people to check their credit scores regularly. Is an online website where you get a free copy of your credit reports.

Better is as soon you spot suspicious activity on your reports. This allows you to minimize damage through these unrecognized credit accounts. If you suspect something on your credit card report you can also reach out to a credit card company for better protection.  

Citibank’s other affiliates

Citibank issues retail credit cards to approximately 83 million people. If you carry any retail card of the following brands it’s likely issued by Citi. And somewhere in your credit report has CBNA listed. Citibank provides visas and MasterCard for more than a dozen brands as a major provider of retail card services. Here is a list of retailers that offer private-label cards through CitiBank.  

  •  LL. Bean.
  • Best buy.
  • Shell.
  • Ford.
  • Wayfair.
  • Exxonmobil.
  • Goodyear.
  • At & T.
  • American Airlines.

 Therefore, you probably have a credit card with a CitiBank affiliate if you see CBNA on your credit report.

What is

Home Depot has an app that is similar to Moreover, this type of app is designed to track workers’ health and their track record. Furthermore, this app also provides information about the store and saves receipts in case users make purchases online.  

The website, analyze the questionnaire which is filled up by the employees and staff. Not to mention, this questionnaire might be used in the future to develop new strategies. To take part in this questionnaire, employees must sign in.

Several reasons THD/CBNA can appear on your credit account

  • You are a victim of identity theft.
  • Depends on your credit score on your credit history and status of your account.
  • THD/CBNA can appear as a hard inquiry or as an open or closed credit account. 

Is THD/CBNA a scam?

No, THD/CBNA isn’t a scam. The legitimate organization is Citibank and home depot. If getting it on your credit report, it’s cause they checked your credit. 

You have become a victim of identity theft if your activity under THD/CBNA credit report shouldn’t be there.

What is the CBNA Bank mobile app?

Mobile banking app is a fast, secure, and convenient way to manage money. CBNA bank mobile banking app is a secure, fast, and convenient way to deal with finance from anywhere. Moreover, this app gives you huge flexibility and it has enhanced security features with customized in-app features. This mobile banking app is generally more secure than other apps. The rating of this app is 4.7. 


  • You will get two-factor authentication.
  • Biometric sign-in.
  • Low balance or large transactions alarts provided.

The app has the following feature for you  

  • You can view transaction and account balance
  • You can also apply for a line of credit
  • Account dashboard can be customize
  • Easy switching options between bank profile
  • Check your deposit through mobile
  • Stay secure two-factor authentication
  • Sign in with biometric 

What is the highest credit score

There is always confusion about What is the highest credit score. So, as per the data, FICO and VantageScore are the two main credit scoring models. For both models, the highest credit score is likely to be 850. In most common versions, the scale ranges between 300 to 850. Moreover, anything above 750 is an excellent score when it comes to lending.

Key characteristics of customer credit score

  • Longer creditworthiness is desirable. The majority of the people who have perfect credit have such a long credit record. Per a FICO study from 2019, their overall credit profile was 30 years old.
  • Late payments are flawless. A person with flawless credit is likely to have a perfect payment history as well. This implies their history records show no collection, missed fees, or other bad information.
  • The credit usage ratio is low. Most persons with 850 credit ratings don’t use much of their available credit. Their overall credit usage percentage was 4.1 percent, according to the same FICO study.
  • There have been a few new credit queries. The bulk of them does not create new credit accounts, despite the fact that some do.

What is a credit score check?

To check your credit card score at least once per quarter and credit reports once per year for errors it’s a good idea to check your credit score. You will be notified about any new inquiries on your report by free credit report websites. After signing up with one of those sites, it can help you to receive any new updates about your credit reports in real-time.

Free credit score

Before you apply for any credit card, you have to first get the complete picture of your Free credit score from all three credit bureaus. In addition, you just pinpoint what should be the perfect score and apply for it. Moreover, some bureaus also send you to email about your credit score. In addition, you can also request them to provide a free copy of your credit score.

What other retail credit cards are issued by CBNA?

Citibank issues retail credit cards to approximately 83 million people. It’s likely issued by citi if you carry a retail card from one of the following brands. You’ll probably have CBNA listed somewhere on your credit report.

  • Best buy.
  • L.L. Bean.
  • Shell.
  • ExxonMobil.

CBNA credit with a positive attitude

  • In the first place, people should not be worried about poor credit as well as good credit especially when CBNA on credit report is being checked.
  • In like manner, try to maintain habits that show a positive attitude towards a credit score.
  • Likewise, if you carry on, your credit score can grow over time.
  • As per the report, if you can pay off your balance, your credit utilization will be always low.
  • Similarly, try to keep the credit utilization ratio under 30%.
  • Correspondingly, in the best possible scenario, try not to use too many credit cards.
  • Together with that, skip the tendency to close old credit cards.
  • Furthermore, do not forget to check inconsistencies in your account regularly.
  • You are entitled to get credit reports from all three major credit bureaus.
  • As far as unauthorized CBNA credit is concerned, report potential fraud with an immediate effect.
  • Also, you can place a 90 days fraud alert for free.
  • If you are sure that the THD CBNA inquiry is legit, you can proceed towards the next step to restore your credit score.
  • Uniquely, you can see some negative scores after CBNA hard inquiry.
  • Do not worry as it is normal; In case you have more than one hard inquiry in a year, it happens.

Credit card utilization CBNA

When you are considering credit utilization, your debt is not included. As a matter of fact, when banks calculate after invoking THD CBNA, your non-revolving debt is left out.  In addition, most of the single event loans such as mortgage or auto loans are also included. Likewise, credit utilization considers only revolving credit. As a matter of fact, revolving credit can borrow anytime. Additionally, sometimes it includes credit from banks or retailers.

  • Credits usage, often known simply as amounts owed, is the proportion of your entire credit that you are utilizing. 
  • Because credit usage is the second-most significant element in your credit rating (after payment history), it’s critical to understand everything you can about keeping a good balance.
  • The basic guideline is to maintain credit usage at 30%, however, according to FICO research, “elevated” (those with credit ratings of 750 or above) utilise less than 10% of their whole credit available limit.
  •  In order to prevent harming your credit score, you must try to maintain your credit usage rate as low as feasible, but just not as lower as 0%.


It is a huge milestone when you get your first credit card. However, you just have to know how you can handle your credit card skillfully. Moreover, CBNA THD credit cards can hurt you financially if you do not know how to use that. Additionally, credit cards are best for those who can deal with financial problems in a more disciplined way. Uniquely, as CitiBank is one of the largest issuers of credit cards and their market share is huge, the CBNA on credit report matters a lot.

The bottom line is that in case you have applied for cards and an inquiry is issued then you do not need to worry. However, if you have not applied, but still got a letter from the CBNA institution, try to protect your identity. Hence, whenever you have THD CBNA on your credit history, instead of being scared. You just try to follow the above-mentioned tips.    


1. What does THD/CBNA stand for?

It is called The Home Depot/Citibank North America

2. Why is CBNA THD on my credit report?

In case you have applied for a retail credit card from The Home Depot, it may appear

3. How do I contact THD CBNA?

You can contact customer service for your Home Depot credit card.

4. How do I deal with CBNA fraud?

 You need to contact credit bureaus who are responsible for dealing with fraud

5. How long can you place free alerts?

you can place a 90 days fraud alert for free.

6. Should I worry about the hard inquiry?

No, if you have a legit and authorized inquiry, you do not need to worry.

7. How can I get rid of CBNA THD?

Always build a good credit utilization score for security.

8. Should I worry see negative scores after CBNA THD hard inquiry?

No, you should not worry as it is normal.

9. Wow, do I dispute CBNA?

You should send a dispute letter to CBNA and also to the credit bureau asking them to correct the incorrect information.

10. How do I contact CBNA?

Citibank has other members you can call, depending on your issues. However, the phone number of CBNA, North America is 1-888-248-4226 for bank account information.

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