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Citi Home Depot card

Valued Contributor

Citi Home Depot card

 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?

Message 1 of 16
15 REPLIES
Moderator Emerita

Re: Citi Home Depot card

Just doing research, huh? You know we are watching you. 👀
Message 2 of 16
Mega Contributor

Re: Citi Home Depot card


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

meet-the-fockers-2.jpg




EQ FICO 548 3/3/16
Message 3 of 16
Valued Contributor

Re: Citi Home Depot card

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...

Message 4 of 16
Moderator Emerita

Re: Citi Home Depot card

Too late! I've already dispatched the myFICO Emergency Response Team!
Message 5 of 16
Valued Contributor

Re: Citi Home Depot card


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?


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.

 

Cards: Chase Southwest 20k & CSR 10k & CSP 10k & Freedom 6.6k & Amtrak/Freedom 4.6k, FNBO DISC 25.1k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 10k, Paypal Extras MC 7.5k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5.9k, Walmart 10k, Citi Simplicity 9k, Discover IT 16k and a nice stack of store cards.
Last APP/HP 5/15/2017 Marcus Loan. 30k
Message 6 of 16
Valued Contributor

Re: Citi Home Depot card

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

(OK Lexie, we know th drill)


Starting Score TU 667 EQ 663 EX 655
Current Score TU 778 EQ 776 EX 781 Last Update 4/2016
Garden Club 04/10/2013
Message 7 of 16
Valued Contributor

Re: Citi Home Depot card


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?


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

 photo Logo - Credit Card Collection - Data Inclusive_zpskiw5xfjj.jpg photo emerald_zpsfitcxbh5.jpg
Message 8 of 16
Moderator Emerita

Re: Citi Home Depot card

@asphaltcowboy

That's what I was thinking! I was born at night but not last night!
Message 9 of 16
Super Contributor

Re: Citi Home Depot card


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

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 10 of 16