What is the THD/CBNA charge?

Why it shows up like this

THD/CBNA is a two-part billing code. The prefix tells you the retail partner — THD stands for The Home Depot — and the suffix CBNA stands for Citibank, N.A., the bank that actually issues the store-branded credit card. When you make a payment toward your Home Depot credit card, the transaction clears through Citibank's systems and lands on your linked bank account statement as THD/CBNA rather than anything that obviously says 'Home Depot' or 'Citi.'

The same pattern applies across other Citi retail partnerships. BBY/CBNA is a Best Buy card payment. SEARS/CBNA is a legacy Sears or Kmart store card. On credit reports, CBNA appears as the account holder — meaning a hard inquiry labeled CBNA means someone applied for a Citi-issued store card using your information. If you've recently signed up for a store card at checkout, this is the expected entry you'll see.

If the charge on your bank statement matches the balance you owe on a store card, nothing is wrong — this is simply how the payment routes. If you see CBNA on your credit report but never opened a store card, that's worth disputing with the credit bureaus and reporting to Citi's fraud line. For billing questions about an existing card, log into citi.com or call the number on the back of your card.

Don't recognize it? You might still

• The store abbreviation + bank abbreviation combo obscures both parties.
• A hard inquiry labeled CBNA follows any Citi retail-card application.
• Autopay on a store card pulls from the linked bank account monthly.

What to do, in order

1. Decode the prefix THD = Home Depot, BBY = Best Buy, SEARS = Sears legacy cards — the prefix is the store.
2. Match to a card in the household Someone likely holds that store's card; the entry is a bill payment toward it.
3. Dispute unknown credit-report entries A CBNA account or inquiry you never initiated is an identity-theft flag — dispute with the bureaus and call Citi.

Quick questions

Part of a family

THD/CBNA is one of the Citi statement codes and Capital One statement codes and Discover Bank statement codes and U.S. Bank statement codes and PNC Bank statement codes and Goldman Sachs & Marcus statement codes lines — see the whole family decoded.

Verified sources

Every claim on this page is checked against official sources — open them to confirm before you call your bank.

• Citi — customer service https://www.citi.com
• CFPB — Citibank credit card agreements database https://www.consumerfinance.gov