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Valued Contributor
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Registered: ‎02-06-2013
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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?

300/21001100/13001500/25001699/2000Prepaid ,,Recent scores:FICO EX 632,EQ 635,TU 632.. If youlike this could you please give me a kudo by clicking that blue button over to the left? Thanks.Link to my Rebuild Log
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Registered: ‎09-13-2012
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Re: Citi Home Depot card

Just doing research, huh? You know we are watching you. 👀
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Re: Citi Home Depot card


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

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Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
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Valued Contributor
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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...

300/21001100/13001500/25001699/2000Prepaid ,,Recent scores:FICO EX 632,EQ 635,TU 632.. If youlike this could you please give me a kudo by clicking that blue button over to the left? Thanks.Link to my Rebuild Log
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Re: Citi Home Depot card

Too late! I've already dispatched the myFICO Emergency Response Team!
Valued Contributor
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Registered: ‎09-16-2011
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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.

 

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Valued Contributor
Posts: 1,214
Registered: ‎02-03-2013
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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)


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Valued Contributor
Posts: 1,585
Registered: ‎11-10-2012
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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

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Re: Citi Home Depot card

@asphaltcowboy

That's what I was thinking! I was born at night but not last night!
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Senior Contributor
Posts: 27,465
Registered: ‎02-07-2013
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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

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