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Home Depot .. Approval

Senior Contributor

Re: Home Depot .. Approval

DENIED ON CLI!

 

716 was his score.

 

2500 is his highlest limit.  WTH??  Weirdos.  (only neg is bk filed 10/05).

 

When he talked to the phone rep from the store, they asked him about an address he lived at when he was in high school that his grandparents owned, asked him if he know who JV was who is his father.  WoW, they sure know a lot more stuff than we think they know.  NONE of this is on his reports....and he didn't have ANY credit back at that grandma address!!!!

STARTING: 11/24/10 EQ-584 EXP-648 TU04-595
CLOSED FIRST HOME 8/19/11 EQ-630 EXP-691 TU04-653
CURRENT: EQ-701 EXP-??? TU08-720
Message 11 of 20
Moderator Emeritus

Re: Home Depot .. Approval


butterflyblu wrote:

My husband and I went to Home Depot to look at bathroom vanities and carpeting, we found the carpet we liked and were setting up a day and time for the person to come and measure our home.  The sales lady asked if we wanted to apply for the credit card we could get 10% off the carpet if we were approved, so I did and I was approved for $1000.00 on the spot. 

 

I have wanted a Home Depot card for so long but my credit was never good enough and now it is! 

 

 


 

Congratulations on the approval! It's so wonderful when your credit gets to the point where you're able to be approved for cards that you really want. So happy for you! Smiley Happy


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Message 12 of 20
Epic Contributor

Re: Home Depot .. Approval


Booner72 wrote:

DENIED ON CLI!

 

716 was his score.

 

2500 is his highlest limit.  WTH??  Weirdos.  (only neg is bk filed 10/05).

 

When he talked to the phone rep from the store, they asked him about an address he lived at when he was in high school that his grandparents owned, asked him if he know who JV was who is his father.  WoW, they sure know a lot more stuff than we think they know.  NONE of this is on his reports....and he didn't have ANY credit back at that grandma address!!!!


Didn't he get approved for $500, and now he has $2500?  Sorry if I missed something.

 

Yes HD and Lowes are known to give instant CLI if call in... still kicking myself for not doing it on my Lowes card... Next month I guess will look into my 4 month increase Smiley Happy

Message 13 of 20
Mega Contributor

Re: Home Depot .. Approval


Booner72 wrote:

DENIED ON CLI!

 

716 was his score.

 

2500 is his highlest limit.  WTH??  Weirdos.  (only neg is bk filed 10/05).

 

When he talked to the phone rep from the store, they asked him about an address he lived at when he was in high school that his grandparents owned, asked him if he know who JV was who is his father.  WoW, they sure know a lot more stuff than we think they know.  NONE of this is on his reports....and he didn't have ANY credit back at that grandma address!!!!


Wow......

 

no idea how they got that info! (Maybe on teletrack / chexsystems)?




EQ FICO 548 3/3/16
Message 14 of 20
Established Contributor

Re: Home Depot .. Approval


Booner72 wrote:

DENIED ON CLI!

 

716 was his score.

 

2500 is his highlest limit.  WTH??  Weirdos.  (only neg is bk filed 10/05).

 

When he talked to the phone rep from the store, they asked him about an address he lived at when he was in high school that his grandparents owned, asked him if he know who JV was who is his father.  WoW, they sure know a lot more stuff than we think they know.  NONE of this is on his reports....and he didn't have ANY credit back at that grandma address!!!!


They did the same thing to me when I was approved for my HD card.  Asked some really "off the wall" questions that freaked me out a bit.  They are pretty good about increasing the limit when you call the BD number.  I went from an "in store" approval of $1001 to $7000 after I got home and called in.

CCs: Chase Freedom VS 12.9k, CSP VISA Sg 13k, BofA Amex 24.5k, Discover 12.5k, US Bank Cash+ Visa Sg 17k, Macy's Amex 8k/1.5k, Gap Visa 10k, Best Buy 11.1k, Citi TY MC 10.8k, Citi AA Amex 6k, Nordstrom VS 10k, Costco Amex 12k, BofA CR VS 5k, Amex BCP 13.5k, Amex ED 5k, Sears MC 9k, HD 7k, Target 600, Amazon 7k, US Bank MC 15k, US Airways MC 8k, NFL Visa 4k, Patelco Visa 10k, Penfed PR VS 44.6k, Chase Hyatt VS 8k, Citi Simplicity 13.3k, PayPal MC 7.5k, BBVA Visa 4k, WF VS 14k, FNBO Amex 14.1k, OCCU VISA 15k, TR Visa Sg 16.3k, C1 QS Visa 11k, FRN MC 15k, HSN 4k, Saks WEMC 10k/4k, Chase Ink 18k, Arrival WEMC 10k, Ebates VS 8k, Orbitz VS 12k, NASA V 30k, USBk FP VS 21.5k, DC 30k, VirgAm 15k, Sams MC 15k, Amex Bz Gold, Amex SC 10k, BofW Bz MC 18k
Message 15 of 20
Established Contributor

Re: Home Depot .. Approval


butterflyblu wrote:

My husband and I went to Home Depot to look at bathroom vanities and carpeting, we found the carpet we liked and were setting up a day and time for the person to come and measure our home.  The sales lady asked if we wanted to apply for the credit card we could get 10% off the carpet if we were approved, so I did and I was approved for $1000.00 on the spot. 

 

I have wanted a Home Depot card for so long but my credit was never good enough and now it is! 

 

 


Congrats! I've had my Home Depot card for a while, I was approved for $500 and used it here and there for stuff I needed. I applied for a CLI about 6 months ago and got $2,000 CL. I purchased a shed for $750 with the installation and 6 months to pay it off... Paid it off in 3-4 months, But still was denied for my $5,000 increase however I asked they use the same credit report instead of pulling a new one so that's probably why I got denied... I was going to help my dad rebuild a cement block wall, But I'm way too far in debt to do that right now. lol.

ManiacGamers.comManiacGamers.comManiacGamers.comManiacGamers.comManiacGamers.comManiacGamers.com*****$20,000***********$6,500************$4,100************$3,500***********$2,500************$1,000****
EQ - 688 (10/9/13) | TU - 705 (02/18/14) | EX - 701 (10/9/13) | CS Fako - 717 (10/4/13) | CK Fako - 697 (11/05/13)
Message 16 of 20
Valued Contributor

Re: Home Depot .. Approval


butterflyblu wrote:

My husband and I went to Home Depot to look at bathroom vanities and carpeting, we found the carpet we liked and were setting up a day and time for the person to come and measure our home.  The sales lady asked if we wanted to apply for the credit card we could get 10% off the carpet if we were approved, so I did and I was approved for $1000.00 on the spot. 

 

I have wanted a Home Depot card for so long but my credit was never good enough and now it is! 

 

 


CongratsSmiley Happy very nice CL 

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Message 17 of 20
Super Contributor

Re: Home Depot .. Approval

I like the Congrats on a 2011 thread Lol 

Smiley LOL

 

Very Old Thread Alert 

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 18 of 20
Valued Contributor

Re: Home Depot .. Approval


myjourney wrote:

I like the Congrats on a 2011 thread Lol 

Smiley LOL

 

Very Old Thread Alert 


you got to be kidding me!!!! Smiley LOL

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Message 19 of 20
Highlighted
Moderator Emeritus

Re: Home Depot .. Approval

snarkygirl.jpg

 

Be nice!!!!!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 20 of 20