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Senior Contributor
Wolf3
Posts: 3,198
Registered: ‎01-24-2010

CITI - NO Thank You - Welcome to Home Depot

I paid down my utilization this month, as I was considering some apps.

 

I had a big pile of CITI invitations (mail), Thank You, Simpilicity, DIamond Preferred with various incentives for each month of expiration.  Since I was approved for BIG O tires store  card last month, I thought I had a small chance.  So I gave it a shot.   Not suprising I was Denied.

 

I also had a Home Depot preapproval to apply, which I think came because of the Big O tires approval ($2300 CL).   So I gave it a shot next.    Approved with $7000 CL.  I was very suprised at that.    Thats a lot of light bulbs!    Anyway I shop there and it will help a lot with my utlization, since I have 2 balances at 0% which won't be paid until next year.  

 

So for me, blacklisting does not apply to store cards, since I have a charge off to them still on the report.

 

 

Established Contributor
CruzImperial
Posts: 863
Registered: ‎07-04-2012

Re: CITI - NO Thank You - Welcome to Home Depot

That's a nice limit with hd congrats! I
Fico Scores: . Walmart TU 748 . App free since Aug 2013 .

Cap One Journey 500 | Discover IT 1k | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 6k | Barclays Apple 2.5k | BoA CR 800 | CSP 7.2k
Established Contributor
gettnthere
Posts: 912
Registered: ‎06-14-2012

Re: CITI - NO Thank You - Welcome to Home Depot

Congrats! awesome Cl on the Home Depot card!  On the CITI denial, did they still do a HP?



Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
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Moderator Emeritus
tinuviel
Posts: 4,877
Registered: ‎11-02-2010

Re: CITI - NO Thank You - Welcome to Home Depot

Congrats on the HD approval. Nice starting limit!


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
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Senior Contributor
Wolf3
Posts: 3,198
Registered: ‎01-24-2010

Re: CITI - NO Thank You - Welcome to Home Depot


gettnthere wrote:

Congrats! awesome Cl on the Home Depot card!  On the CITI denial, did they still do a HP?


Most likely.    I have to wait on the letter in the mail.

 

Senior Contributor
Wolf3
Posts: 3,198
Registered: ‎01-24-2010

Re: CITI - NO Thank You - Welcome to Home Depot

For Citi Thank You  Denial

 

"Credit priviliges on your existing accounts are currently restricted"   

 

I think that means I am blacklisted, except for store cards.

Valued Contributor
scottwagnon
Posts: 1,333
Registered: ‎02-07-2010

Re: CITI - NO Thank You - Welcome to Home Depot


Wolf3 wrote:

I paid down my utilization this month, as I was considering some apps.

 

I had a big pile of CITI invitations (mail), Thank You, Simpilicity, DIamond Preferred with various incentives for each month of expiration.  Since I was approved for BIG O tires store  card last month, I thought I had a small chance.  So I gave it a shot.   Not suprising I was Denied.

 

I also had a Home Depot preapproval to apply, which I think came because of the Big O tires approval ($2300 CL).   So I gave it a shot next.    Approved with $7000 CL.  I was very suprised at that.    Thats a lot of light bulbs!    Anyway I shop there and it will help a lot with my utlization, since I have 2 balances at 0% which won't be paid until next year.  

 

So for me, blacklisting does not apply to store cards, since I have a charge off to them still on the report.

 

 


HATE HOME DEPOT with an endless passion, but looks like you received a pre approval with rcwilley. i have credit with rcwilley; it is my oldest account.

EX BankCard 8 FICO 820 (250-900) 04/08/14
TU FICO 806 (350-850) 04/10/14
EX VT 3.0 805 (300-850) TU VT 2.0 891 (501-990)
Credit.com score 798 (300 - 850) TU transrisk 772
card line up here: http://ficoforums.myfico.com/t5/Credit-Cards/How-Many-Credit-Cards-Do-YOU-have/m-p/1034512#M290859

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