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Home Depot Apps

Contributor

Home Depot Apps

While I am on a roll I thought I would share a bit of the recent app spree I just did for DH.  We need to replace the carpet in our home and he wanted the Home Depot card since it comes with various 0% offers.  He was approved online for $1250 but that wasn't going to cut it.  Armed with the history and info of people doing immediate Recons with Home Depot, I prepared a script for him and dialed the back door number.  He was increased to $5500 within 5 minutes.  The rep told him $1250 is the most they will go with an online app - not sure how accurate that is but that was their story and regardless, the limit was increased!!

 

Also approved for US Bank Harley Davidson two weeks ago and Chase Slate today - both at 6k.  He's done with new apps for quite awhile with these cards joining his AMEX Gold Delta.

 

He has less than 5% util (way better than me) and 720 scores.


CSP - 11,000 Chase Freedom 12,000; AMEX Delta Gold 2,000; AMEX Delta Platinum (AU) 15,000; Discover IT 9,500; BOA Cash Rewards 30,000; AMEX BCE 9,900; Belk 7,000; Macys 7,000; Lane Bryant 3,600; HH Gregg 3,000; Care Credit; 7,200; Bloomingdale's 3,000
Message 1 of 7
6 REPLIES
Super Contributor

Re: Home Depot Apps


CreditControl wrote:

While I am on a roll I thought I would share a bit of the recent app spree I just did for DH.  We need to replace the carpet in our home and he wanted the Home Depot card since it comes with various 0% offers.  He was approved online for $1250 but that wasn't going to cut it.  Armed with the history and info of people doing immediate Recons with Home Depot, I prepared a script for him and dialed the back door number.  He was increased to $5500 within 5 minutes.  The rep told him $1250 is the most they will go with an online app - not sure how accurate that is but that was their story and regardless, the limit was increased!!

 

Also approved for US Bank Harley Davidson two weeks ago and Chase Slate today - both at 6k.  He's done with new apps for quite awhile with these cards joining his AMEX Gold Delta.

 

He has less than 5% util (way better than me) and 720 scores.


Congrats 

Question tho He's done or your done Lol

Helpful info on the CLI recon vs online

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 2 of 7
Contributor

Re: Home Depot Apps


myjourney wrote:

CreditControl wrote:

While I am on a roll I thought I would share a bit of the recent app spree I just did for DH.  We need to replace the carpet in our home and he wanted the Home Depot card since it comes with various 0% offers.  He was approved online for $1250 but that wasn't going to cut it.  Armed with the history and info of people doing immediate Recons with Home Depot, I prepared a script for him and dialed the back door number.  He was increased to $5500 within 5 minutes.  The rep told him $1250 is the most they will go with an online app - not sure how accurate that is but that was their story and regardless, the limit was increased!!

 

Also approved for US Bank Harley Davidson two weeks ago and Chase Slate today - both at 6k.  He's done with new apps for quite awhile with these cards joining his AMEX Gold Delta.

 

He has less than 5% util (way better than me) and 720 scores.


Congrats 

Question tho He's done or your done Lol

Helpful info on the CLI recon vs online


Ha! He is WAY more conservative with credit than me (and it shows) so this was MAJOR for him....Now I just sit back and watch everything grow Smiley LOL


CSP - 11,000 Chase Freedom 12,000; AMEX Delta Gold 2,000; AMEX Delta Platinum (AU) 15,000; Discover IT 9,500; BOA Cash Rewards 30,000; AMEX BCE 9,900; Belk 7,000; Macys 7,000; Lane Bryant 3,600; HH Gregg 3,000; Care Credit; 7,200; Bloomingdale's 3,000
Message 3 of 7
Super Contributor

Re: Home Depot Apps

Good answer and welcome to the forumSmiley 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 4 of 7
Frequent Contributor

Re: Home Depot Apps


CreditControl wrote:

While I am on a roll I thought I would share a bit of the recent app spree I just did for DHWe need to replace the carpet in our home and he wanted the Home Depot card since it comes with various 0% offersHe was approved online for $1250 but that wasn't going to cut itArmed with the history and info of people doing immediate Recons with Home Depot, I prepared a script for him and dialed the back door numberHe was increased to $5500 within 5 minutesThe rep told him $1250 is the most they will go with an online app - not sure how accurate that is but that was their story and regardless, the limit was increased!!

 

Also approved for US Bank Harley Davidson two weeks ago and Chase Slate today - both at 6kHe's done with new apps for quite awhile with these cards joining his AMEX Gold Delta.

 

He has less than 5% util (way better than me) and 720 scores.


Congrats! To the both of you ! Smiley Very Happy The Backdoor Numbers are great!!

CL $317,649
Message 5 of 7
Highlighted
Frequent Contributor

Re: Home Depot Apps

Go HD!

CARDS.jpg

Message 6 of 7
Valued Contributor

Re: Home Depot Apps


CreditControl wrote:

While I am on a roll I thought I would share a bit of the recent app spree I just did for DH.  We need to replace the carpet in our home and he wanted the Home Depot card since it comes with various 0% offers.  He was approved online for $1250 but that wasn't going to cut it.  Armed with the history and info of people doing immediate Recons with Home Depot, I prepared a script for him and dialed the back door number.  He was increased to $5500 within 5 minutes.  The rep told him $1250 is the most they will go with an online app - not sure how accurate that is but that was their story and regardless, the limit was increased!!

 

Also approved for US Bank Harley Davidson two weeks ago and Chase Slate today - both at 6k.  He's done with new apps for quite awhile with these cards joining his AMEX Gold Delta.

 

He has less than 5% util (way better than me) and 720 scores.


OP - Though I'm not 100% sure about Home Depot's policies, I can see that max initial approval "cap" they have.

 

At JCP, the in-store applications only have a max approval of $2000. Of course, since I am also an associate who knows the value of recons, just in case I come across a customer who maybe is looking to buy furniture to utilize the discount and 12 month 0% financing, or wishes to purchase an exorbitant amount of household goods, I can always dial up the credit hotline Smiley Wink


Quicksilver WMC $20k | JCPenney Platinum $10k | Drive for Five $800 | Freedom VS $5k | TD Cash VS $5k | CFU VS $14.8k | Blue Sky $13.7k | IT $28k | SavingStar $14.8k | BCE $11.3k | Macy's AMEX $7.2k | BuyPower WEMC $7.5k | CSR VI $13.3k | Diamond Preferred $6.5k FICOS: EX 775 EQ 764 TU 759 VantageScore 3.0: EX 759 EQ 757 TU 762
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