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Senior Contributor
Posts: 3,197
Registered: ‎01-24-2010
0

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
Posts: 869
Registered: ‎07-04-2012
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Re: CITI - NO Thank You - Welcome to Home Depot

That's a nice limit with hd congrats! I
Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

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Established Contributor
Posts: 912
Registered: ‎06-14-2012
0

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
Posts: 4,875
Registered: ‎11-02-2010
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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)
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Senior Contributor
Posts: 3,197
Registered: ‎01-24-2010
0

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
Posts: 3,197
Registered: ‎01-24-2010
0

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
Posts: 1,359
Registered: ‎02-07-2010
0

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
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