Call Home Depot's card issuer to cancel

The Home Depot credit card is issued by Synchrony Bank, not by Home Depot itself. To cancel, you call Synchrony directly at the number on the back of your card — this is the fastest way to end the account. You do not go to a Home Depot store or call Home Depot customer service; they cannot cancel the card for you.

Have your card number ready when you call. Synchrony will ask why you want to cancel (you do not have to give a detailed reason), confirm your identity, and process the cancellation on the spot. The call usually takes five to ten minutes. Ask for written confirmation that the account is closed, or request that Synchrony email you a confirmation number.

The card stops working immediately after cancellation, but the account itself remains on your credit report for up to seven years. This is normal and does not hurt your credit score — closed accounts in good standing actually help your credit history.

Key Takeaways

  • Call Synchrony Bank at the number on the back of your Home Depot card to cancel; Home Depot stores and customer service cannot close the account.
  • Cancellation takes effect immediately, but the closed account stays on your credit report and does not damage your credit score.
  • Pay off any remaining balance before or at the time of cancellation to avoid interest charges on a closed account.
  • Request written confirmation of cancellation in case you need proof later for disputes or credit inquiries.

Pay your balance before you call

If you have a balance on the card, pay it in full before canceling if you can. Once the account is closed, you can still make payments, but Synchrony will stop offering promotional financing (like 0% APR offers) and may charge interest on any remaining balance at the card's standard rate.

If you cannot pay the full balance, cancel anyway — carrying a balance on a closed account is legal and common. Just know that interest will accrue on whatever you owe. Make your regular payments on time to avoid late fees and further damage to your credit score.

What happens to rewards points

Home Depot credit card rewards are called "Pro Rewards" or "Rewards" depending on which version you hold. Synchrony does not automatically cash out your points when you cancel. You need to redeem them before the account closes, or contact Synchrony after cancellation to ask about redeeming remaining points.

Policies on redeeming points after cancellation vary. Some issuers allow it for a limited time; others do not. Call Synchrony before you cancel and ask whether you can redeem your points after the account is closed, or redeem them during the cancellation call itself.

Timing and your credit score

Canceling a credit card can temporarily lower your credit score because it reduces your total available credit. If you have a high balance on other cards, this effect is more noticeable. However, the impact is usually small and fades within a few months as long as you keep paying other accounts on time.

There is no penalty for canceling a card you have paid off or kept in good standing. If you are worried about the score impact, you can cancel after paying off the balance and waiting a month or two, but this is not required. The most important thing is that you do not miss payments on other accounts while the cancellation is processing.

If you want to keep the account open

You do not have to cancel if you are only trying to stop using the card. You can simply cut it up or set it aside and never use it again. Keeping an old account open actually helps your credit score by maintaining your available credit and your credit history length.

If you want to keep the account but prevent accidental charges, call Synchrony and ask them to freeze the card or remove it from your online account. Some cardholders keep old cards open for this reason — the account stays active and helps their credit, but the card itself cannot be used.

After cancellation: what to expect

After you cancel, Synchrony will send you a final statement showing the account is closed. This usually arrives within 30 days. If you still owe a balance, continue making payments to the address on your statements until the balance reaches zero.

The closed account will appear on your credit report with a status of "closed by consumer" or "closed by cardholder." This is a neutral mark and does not hurt your credit. The account will stay on your report for seven years from the date it was closed, then fall off automatically.

Frequently Asked Questions

Can I cancel my Home Depot card online?

No. Synchrony requires you to call to cancel. You cannot close the account through the website or mobile app. Call the number on the back of your card and speak to a representative.

What if I have a promotional 0% APR offer when I cancel?

Canceling ends the promotional offer immediately. Any remaining balance will be charged the regular APR going forward. If you are in the middle of a promotional period, consider paying off the balance before canceling to avoid interest charges.

Will canceling hurt my credit score?

Canceling may cause a small, temporary dip in your score because it lowers your available credit. The effect usually fades within a few months. Keeping the account open helps your score more, but canceling a paid-off account in good standing is not harmful long-term.

Can I reopen the account after I cancel?

Once closed, the account cannot be reopened. If you want a Home Depot credit card again, you would need to apply for a new one. Synchrony will see the previous account in your history, but you can still be approved for a new card.

What if I still owe money after cancellation?

You can still pay the balance on a closed account. Send payments to the address shown on your statements. The account will remain closed, but you must continue paying until the balance is zero to avoid late fees and credit damage.