What is THD/CBNA and why is it on my credit report? (2024)

Editorial Note: IntuitCredit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse our editorial content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.

Advertiser Disclosure

Offers that appear on this site are from third-party advertisers from which Credit Karma typically receives compensation. Except for mortgage loan offers, this compensation is one of several factors that may impact how and where offers appear on Credit Karma (including, for example, the order in which they appear).

Other factors may include: your credit profile and what products we think you want. It is this compensation that enables Credit Karma to provide you with services like free access to your credit scores and free monitoring of your credit and financial accounts. Credit Karma strives to provide a wide array of offers for our members, but our offers do not represent all financial services, companies or products.

THD/CBNA may appear on your credit reports if you have one of three retail credit cards from The Home Depot.

The Home Depot cards are issued by Citi, which also goes by CBNA or Citibank North America. Here’s why THD/CBNA may be on your credit reports and what to do if it’s showing up but you’ve never had a Home Depot credit account.

  • What does THD/CBNA stand for and why is it on my credit reports?
  • What other retail credit cards are issued by CBNA?
  • What to do if there’s an account you don’t recognize on your credit reports

What does THD/CBNA stand for and why is it on my credit reports?

THD/CBNA stands for The Home Depot/Citibank North America. It could be on your credit reports as a hard inquiry if you’ve applied for a credit card from The Home Depot or if you’ve been added as an authorized user on one of these accounts.

Hard and soft inquiries

Citi offers three The Home Depot retail credit cards.

  • The Home Depot Consumer Credit Card
  • The Home Depot Commercial Revolving Charge Card
  • The Home Depot Commercial Account

If you’ve applied for one of these and authorized the bank to check your credit, you may see a hard credit inquiry on your credit reports. A hard credit inquiry can stay on your reports for up to two years, so it may be showing up even if you didn’t recently apply for the card.

Alternatively, if you tried to prequalify for a credit card from The Home Depot, you might see a soft credit inquiry on your credit reports. A soft inquiry is only visible to you and doesn’t affect your credit scores.

How to remove a THD/CBNA hard inquiry from my credit reports

If you applied for one of the three The Home Depot cards, you probably won’t be able to remove the hard inquiry from your reports. It should fall off your reports after two years from the inquiry date.

But what happens if you spot THD/CBNA on your credit reports and you didn’t authorize the credit pull? Dealing with an unauthorized hard inquiry on your credit can be stressful and scary.

There are steps you can take to help protect yourself and your credit if you find yourself in this situation. Consider these five tactics.

  1. Get proof. Contact the company that pulled your credit and ask for proof that you authorized the inquiry.
  2. Report the suspected fraud. Head to the Federal Trade Commission’s identitytheft.gov website to document and report the suspected ID theft. You may also want to consider filing a police report.
  3. Freeze your credit. To prevent identity thieves from further abusing your personal financial information, you may want to freeze your credit. Contact each credit bureau separately. Keep in mind that you won’t be able to be approved for new financial products while the freeze in in place. And while this won’t retroactively protect your credit, it can help stop identity thieves from opening accounts in your name while the freeze is in effect.
  4. Speaking of contacting the credit bureaus, you can request a free fraud alert from them.
  5. Dispute the unauthorized inquiry with the credit bureaus. The credit bureaus are required to investigate and remove any information that turns out to be inaccurate.

How’s your credit?Check My Equifax® and TransUnion® Scores Now

Authorized users

You may also see THD/CBNA on your credit reports if you’ve been added as an authorized user on any of The Home Depot’s credit cards.

As an authorized user, the account activity is reflected in your credit reports as well. Getting added to an account as an authorized user is one way you can build credit (especially if the primary accountholder has stellar credit). You’re allowed to make purchases up to the primary accountholder’s credit limit, but you’re not officially responsible for repaying the debt.

The downside is that if the primary cardholder misses a payment or has a high utilization rate, there could actually be a negative impact on your credit.

If you were added incorrectly as an authorized user to someone else’s THD/CBNA account, you should contact the credit card issuer and ask it to remove you from the account.

What other retail credit cards are issued by CBNA?

Citibank issues retail credit cards to approximately 83 million people. If you carry a retail card from one of the following brands, it’s likely issued by Citi, and you’ll probably have CBNA listed somewhere on your credit reports:

  • Best Buy
  • L.L. Bean
  • ExxonMobil
  • Shell

What to do if there’s an account you don’t recognize on your credit reports

It’s important to routinely check your credit reports to watch out for mistakes or even outright identity theft.

You’re entitled to a free copy of your credit reports from all three major consumer credit bureaus periodically through annualcreditreport.com.

Whether you decide to keep an eye on your credit with Credit Karma or use another service, consider adding credit monitoring to your financial routine. Credit monitoring can be a useful tool in helping you identify and take action on certain errors or report suspected fraud you might spot on your credit reports.

When it comes to any suspicious activity, the sooner you take action, the more likely you are to minimize any lasting damage to your credit profile.

How’s your credit?Check My Equifax® and TransUnion® Scores Now

About the author: Romy Ribitzky is a senior editor at Credit Karma specializing in autos, auto insurance, credit, personal loans, savings and tax. Romy is an Edward R. Murrow Award–winning journalist and a marketing leader, having hone… Read more.

What is THD/CBNA and why is it on my credit report? (2024)

FAQs

What is THD/CBNA and why is it on my credit report? ›

THD/CBNA is one of the codes that appear on your credit report when you apply for a Home Depot credit card issued by Citibank. The acronym stands for The Home Depot/Citibank North America and may also appear as CBNA/THD.

Why is CBNA on my credit report? ›

THD/CBNA stands for The Home Depot/Citibank North America. Home Depot credit cards are issued through Citibank North America, so you'll likely see a hard inquiry from Citibank on your credit report if you've recently applied for a Home Depot credit card.

What credit card is thd CBNA? ›

THD/CBNA stands for The Home Depot/CitiBank North America. If you see CBNA on your credit report, other retail cards they issue include Best Buy, L.L. Bean, ExxonMobil and Shell.

What company uses CBNA? ›

CBNA mainly refers to Citibank North America, which is a major consumer and business banking institution in the United States. If you see the letters CBNA on your credit report, that means that Citibank has pulled a credit inquiry on you.

Why is synchrony bank on my credit report? ›

SYNCB/PPC will show up on your credit report if you have a PayPal credit card, and it's an acronym for Synchrony Bank/PayPal Credit. If you don't have a PayPal Credit account, SYNCB/PPC on your credit report may be due to identity theft.

What does thd stand for on a credit report? ›

THD/CBNA is one of the codes that appear on your credit report when you apply for a Home Depot credit card issued by Citibank. The acronym stands for The Home Depot/Citibank North America and may also appear as CBNA/THD.

How do I remove Jpmcb from my credit report? ›

If you suspect that JPMCB mistakenly performed a hard credit pull, or that someone fraudulently used your details to apply, you have a right to dispute it with the major credit bureaus. Once you file your dispute, the bureaus are obligated to investigate and correct any information that turns out to be incorrect.

What bank owns Comenity Bank? ›

The bank is a subsidiary of Bread Financial, a financial services company, which recently changed its name to Bread Savings. The parent company also oversees Alliance Data Retail Services, which is also a credit card company.

What bank issues a Home Depot card? ›

The Home Depot® Credit Card is issued by Citibank. It is a store credit card that can only be used to make Home Depot purchases, is intended for applicants with fair credit or better, and offers an introductory APR of 0% for 6 - 12 months as well as up to $100 off your first purchase. The annual fee is $0.

What type of credit card is synchrony bank? ›

Synchrony specializes in cobranded credit cards. Offering cards that are tailored to particular customers, they have credit cards for store brands, gas stations and more. Most are offered with no annual fee and some have excellent rewards available.

What is a good credit score? ›

There are some differences around how the various data elements on a credit report factor into the score calculations. Although credit scoring models vary, generally, credit scores from 660 to 724 are considered good; 725 to 759 are considered very good; and 760 and up are considered excellent.

How long do hard inquiries stay on your credit report? ›

Hard inquiries serve as a timeline of when you have applied for new credit and may stay on your credit report for two years, although they typically only affect your credit scores for one year.

Which creditor does Chase use? ›

Which credit bureau the bank uses the most often depends on which state you live in. Based on anecdotal information, Chase generally uses credit data from Experian. However, Chase may opt to review your Equifax or TransUnion credit reports instead depending on which state you live in.

Is Synchrony Bank owned by Chase? ›

More about Synchrony: Synchrony Bank is owned by Synchrony Financial, a Stamford, Connecticut-based consumer financial services company.

How do I remove Synchrony Bank from my credit report? ›

For 08 Synchrony Bank to be removed from your credit report, certain conditions need to be met, such as finding inaccuracies or errors on the account. It's alarming, but according to a U.S. PIRGs study, a staggering 79% of credit reports have mistakes. We specialize in addressing these issues for our clients.

Can you trust Synchrony Bank? ›

See how we rate banking products to write unbiased product reviews. The bottom line: Business Insider's personal finance team compared Synchrony Bank (Member FDIC) to the best online banks and decided it's a top option for savings accounts and CDs.

Why is my bank offering me a line of credit? ›

Gives you access to credit when needed: It can often be hard to get credit immediately in case of an unexpected or large financial need. If you have a line of credit, you have ready credit at your disposal, and you only pay interest on the money you use.

Why do I have a JPMCB card on my credit report? ›

Depending on the type of credit cards in your wallet, you may not have realized that your card issuer is Chase, formally known as JPMorgan Chase Bank. If so, your card, or one you applied for, may be appearing as JPMCB Card on your credit report.

Why did Capital One check my credit report? ›

If you use Capital One's online tools to determine whether you are prequalified for a Capital One credit card or auto financing, you must agree to Capital One checking your credit. This type of credit check results in a soft inquiry appearing on your credit report.

How do I remove Comenity Bank from my credit report? ›

If there is an error, you can file a dispute with the three major credit bureaus to have it removed, but the information will remain on your report for seven years if it is accurate. Review your credit report to locate the inquiries.

Top Articles
Latest Posts
Recommended Articles
Article information

Author: Melvina Ondricka

Last Updated:

Views: 6732

Rating: 4.8 / 5 (48 voted)

Reviews: 87% of readers found this page helpful

Author information

Name: Melvina Ondricka

Birthday: 2000-12-23

Address: Suite 382 139 Shaniqua Locks, Paulaborough, UT 90498

Phone: +636383657021

Job: Dynamic Government Specialist

Hobby: Kite flying, Watching movies, Knitting, Model building, Reading, Wood carving, Paintball

Introduction: My name is Melvina Ondricka, I am a helpful, fancy, friendly, innocent, outstanding, courageous, thoughtful person who loves writing and wants to share my knowledge and understanding with you.