Citi Home Depot card

[dddewdrop]

 Does a Citibank Home Depot card appear on a credit report simply as a Citibank credit card? Would it be easier to get than the other straight up Citi cards? I am interested in developing a relationship with Citi but am afraid I don't have the credit reports to get approved. However, getting approved for Home Depot may be easier. Then later, I could apply for another Citi card once I have a relationship with the firm. Someone from another website gave me the idea so i wish to credit them here. Anyway, any opinions? I am not going to do this now as i am in the garden. But hypothetically? Maybe the best thing to do would be to try for a Citi dividend card and if denied apply for citi home depot? Or apply for home depot first? Can anyone help me figure this out?

[09Lexie]

Just doing research, huh? You know we are watching you. 👀

[LS2982]

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@09Lexie wrote:
Just doing research, huh? You know we are watching you. 👀

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[dddewdrop]

But.... but.... It is research for a friend in Des Moines.. Honost..... I would never app for a credit card.... Im so far in the garden, I'm wearing farmer's overalls...

[09Lexie]

Too late! I've already dispatched the myFICO Emergency Response Team!

[jamesdwi]

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@dddewdrop wrote:

 Does a Citibank Home Depot card appear on a credit report simply as a Citibank credit card? Would it be easier to get than the other straight up Citi cards? I am interested in developing a relationship with Citi but am afraid I don't have the credit reports to get approved. However, getting approved for Home Depot may be easier. Then later, I could apply for another Citi card once I have a relationship with the firm. Someone from another website gave me the idea so i wish to credit them here. Anyway, any opinions? I am not going to do this now as i am in the garden. But hypothetically? Maybe the best thing to do would be to try for a Citi dividend card and if denied apply for citi home depot? Or apply for home depot first? Can anyone help me figure this out?

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Didn't get me approved, had Home Deport card for 9 months, $500 initial aproval, requested CLI before I got the card CLI to 4k, used lightly no balance on the card still denied on a Citi Visa card. 23% UTL over all, a card i was AU on was 90% UTL.

[asphaltcowboy]

OH, so you got your friend's email, very interesting I must say!!

(OK Lexie, we know th drill)

[indiolatino61]

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@dddewdrop wrote:

 Does a Citibank Home Depot card appear on a credit report simply as a Citibank credit card? Would it be easier to get than the other straight up Citi cards? I am interested in developing a relationship with Citi but am afraid I don't have the credit reports to get approved. However, getting approved for Home Depot may be easier. Then later, I could apply for another Citi card once I have a relationship with the firm. Someone from another website gave me the idea so i wish to credit them here. Anyway, any opinions? I am not going to do this now as i am in the garden. But hypothetically? Maybe the best thing to do would be to try for a Citi dividend card and if denied apply for citi home depot? Or apply for home depot first? Can anyone help me figure this out?

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Good luck with your apping...I mean "research."

[09Lexie]

@asphaltcowboy

That's what I was thinking! I was born at night but not last night!

[myjourney]

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dddewdrop wrote:

 Does a Citibank Home Depot card appear on a credit report simply as a Citibank credit card? Would it be easier to get than the other straight up Citi cards? I am interested in developing a relationship with Citi but am afraid I don't have the credit reports to get approved. However, getting approved for Home Depot may be easier. Then later, I could apply for another Citi card once I have a relationship with the firm. Someone from another website gave me the idea so i wish to credit them here. Anyway, any opinions? I am not going to do this now as i am in the garden. But hypothetically? Maybe the best thing to do would be to try for a Citi dividend card and if denied apply for citi home depot? Or apply for home depot first? Can anyone help me figure this out?

I'm considering this or Lowes for business purposes. The underwriting may be less because its a co-branded card....However 

BTW....hypothetically speaking the garden has upgraded equipment for repeated offenders Lol