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Established Member
MRomano442
Posts: 48
Registered: ‎12-28-2012

First Post: Home Depot vs. Lowes

Hello 

My name is Marty. This is my first post. I recently brought my first house and I was looking to remodel somethings around the house. I want a lowes or home depot credit card. I am not sure which is higher limits or easier approval 

 

My credit is EX 732 TU 718 EQ 741 

I currently have a few credit cards store and major. 

 

Home Depot or Lowes for approvals, limits???

Valued Contributor
Rhaeny
Posts: 1,507
Registered: ‎07-24-2011

Re: First Post: Home Depot vs. Lowes

[ Edited ]

Hi Marty and welcome.  If those are your real scores, and not FAKO, then I don't think you will have any problem getting both cards at the same time :smileyvery-happy:

 

EDIT:  Here is a website you can check out that will give you info on what others were approved with and thier scores.  

 

WhoGaveMeCredit


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Valued Contributor
creditnocash
Posts: 2,185
Registered: ‎07-23-2012

Re: First Post: Home Depot vs. Lowes

if tu is your worse report id stay away from lowes. 

i mean its still good but not sure how much of a limit they would give you. (but ge's credit limit increases come quick)

home depot is backed by citi, and they dont pull tu too my knowledge. 

 

how are your inq's looking on each report? 

 

*note i dont own a house or have ethier of these cards. 

 

Current: Discover Fico 689 7/14 Walmart Fico 682 7/14

Inquiries (24 Months): EQ 8 TU 5 EX 5 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Established Member
MRomano442
Posts: 48
Registered: ‎12-28-2012

Re: First Post: Home Depot vs. Lowes


Rhaeny wrote:

Hi Marty and welcome.  If those are your real scores, and not FAKO, then I don't think you will have any problem getting both cards at the same time :smileyvery-happy:


Thank You yes im enrolled and those are my scores as of now i want to pull the trigger but i want a high limit!!!!

Established Member
MRomano442
Posts: 48
Registered: ‎12-28-2012

Re: First Post: Home Depot vs. Lowes

I have anywhere from 4-6 inquires on the report. 


creditnocash wrote:

if tu is your worse report id stay away from lowes. 

i mean its still good but not sure how much of a limit they would give you. (but ge's credit limit increases come quick)

home depot is backed by citi, and they dont pull tu too my knowledge. 

 

how are your inq's looking on each report? 

 

*note i dont own a house or have ethier of these cards. 

 


 

Valued Contributor
Rhaeny
Posts: 1,507
Registered: ‎07-24-2011

Re: First Post: Home Depot vs. Lowes

I added a link for you in my original post.


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Established Member
MRomano442
Posts: 48
Registered: ‎12-28-2012

Re: First Post: Home Depot vs. Lowes


Rhaeny wrote:

I added a link for you in my original post.


Thanks Im going to try the home depot right now!!!! I will keep you posted!!


Rhaeny wrote:

I added a link for you in my original post.


 

Established Member
MRomano442
Posts: 48
Registered: ‎12-28-2012

Re: First Post: Home Depot vs. Lowes

Well i went on Home Depot website and applied for the consumer card and BANG APPROVED FOR $7,500.00 I cant believe it im so surprised it is a higher limit than it expected. Not trying to be greeding but this still wont cover !! haha


MRomano442 wrote:

Rhaeny wrote:

I added a link for you in my original post.


Thanks Im going to try the home depot right now!!!! I will keep you posted!!


Rhaeny wrote:

I added a link for you in my original post.


 


 

Valued Contributor
Rhaeny
Posts: 1,507
Registered: ‎07-24-2011

Re: First Post: Home Depot vs. Lowes

[ Edited ]

MRomano442 wrote:

Well i went on Home Depot website and applied for the consumer card and BANG APPROVED FOR $7,500.00 I cant believe it im so surprised it is a higher limit than it expected. Not trying to be greeding but this still wont cover !! haha


MRomano442 wrote:

Rhaeny wrote:

I added a link for you in my original post.


Thanks Im going to try the home depot right now!!!! I will keep you posted!!


Rhaeny wrote:

I added a link for you in my original post.


 


 


Congrats!!!

 

Well you can always recon....meaning call an underwriter at Home Depot and try to get it raised.  The numbers are listed in the sticky section here under "backdoor numbers".  Many, many people use this numbers to request a CLI.  Do a search here for Home Depot recon and see what others have done to give you an idea.


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Valued Contributor
creditnocash
Posts: 2,185
Registered: ‎07-23-2012

Re: First Post: Home Depot vs. Lowes

Congrats! id try for the walmart and lowe's now. 

and then stop. 

let all the inqs age off together. 

 

you might/probably will get the discover version for walmart so thats always a plus and you can get a free tu fico from them when enrolling in estatements. 

 

Current: Discover Fico 689 7/14 Walmart Fico 682 7/14

Inquiries (24 Months): EQ 8 TU 5 EX 5 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000

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