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Valued Contributor
dddewdrop
Posts: 1,060
Registered: ‎02-06-2013
0

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?

0/10001100/13001346/16001699/2000Prepaid ,,Recent scores:FICO EX 632,EQ 635,TU 632...Link to my Rebuild Log
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09Lexie
Posts: 26,016
Registered: ‎09-13-2012
0

Re: Citi Home Depot card

Just doing research, huh? You know we are watching you. 👀
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

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!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
dddewdrop
Posts: 1,060
Registered: ‎02-06-2013
0

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...

0/10001100/13001346/16001699/2000Prepaid ,,Recent scores:FICO EX 632,EQ 635,TU 632...Link to my Rebuild Log
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09Lexie
Posts: 26,016
Registered: ‎09-13-2012
0

Re: Citi Home Depot card

Too late! I've already dispatched the myFICO Emergency Response Team!
Valued Contributor
jamesdwi
Posts: 1,905
Registered: ‎09-16-2011
0

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 & CSP 10k & Freedom 6.6k & Amtrak 4.6k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Zync NPSL, Sams Club MC 10k, Paypal Extras MC 6k, CapOne QS 2.5k, QS 750, Amazon 3.9k, Walmart 4.5k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 6.5k and a nice stack of store cards.
Last APP 4/26//2014 no plans for new credit I think I have enough.
Valued Contributor
asphaltcowboy
Posts: 1,124
Registered: ‎02-03-2013
0

Re: Citi Home Depot card

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

(OK Lexie, we know th drill)



Starting Score TU 667 EQ 663 EX 655
Current Score TU 721 EQ 719 EX 717 Last Update 8/2014
Garden Club 04/10/2013 (Goal 2015 or Longer)




Valued Contributor
indiolatino61
Posts: 1,480
Registered: ‎11-10-2012
0

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.":smileytongue:

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Moderator
09Lexie
Posts: 26,016
Registered: ‎09-13-2012
0

Re: Citi Home Depot card

@asphaltcowboy

That's what I was thinking! I was born at night but not last night!
Community Leader
Senior Contributor
myjourney
Posts: 26,620
Registered: ‎02-07-2013
0

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

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/6/13



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