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How is my payment applied to my account? Citi generally applies payments in excess of the minimum payment due to higher apr balances first. However, when you have a deferred. Get $5 off when you sign up for emails with savings and tips. Subscribe get warehouse value delivered to your inbox. Subscribe to the home depot emails. The home depot ® consumer credit card gives cardholders access to benefits like financing promotions and longer windows for returns. Let’s look at how the home depot ®. Manage your home depot credit card account online, any time, using any device. Submit an application for a home depot credit card now. Enter your email address.