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CreditControl
Posts: 84
Registered: ‎06-29-2009
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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
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myjourney
Posts: 26,656
Registered: ‎02-07-2013
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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

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


Contributor
CreditControl
Posts: 84
Registered: ‎06-29-2009
0

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 :smileylol:


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
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myjourney
Posts: 26,656
Registered: ‎02-07-2013
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Re: Home Depot Apps

Good answer and welcome to the forum:smileylol:

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


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Express
Posts: 386
Registered: ‎01-27-2012
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Re: Home Depot Apps

[ Edited ]

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 ! :smileyvery-happy: The Backdoor Numbers are great!!

Money Never Sleeps! ~CL $247,600 .FIC, Amex $10,000
03/05/14: EX 777 EQ 768 TU 765: Beaver Card $20.000: Barclaycard Arrival World MasterCard $20,000 Lowe's Business Amex $3,000
Amex Blue Sky $24,500: Amex Premier Rewards Gold :NPSL: Amex Costco $7000:Chase Freedom $5,000: Home Depot $8,700 Discover IT $7.000 :Citi Thank you Card $16,500: Citi Simplicity $11,500: Chase Sapphire $31,200 :smileyfrustrated:am's Club M/C $19,000 :Cap1 World MC $8500 :Vibe,Credit Union $16,000 :Walmart M/C $14,000
Macy's AMEX $10,000 Macy's Store Card $1700. Alliant C/U 15000
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OptimalCS
Posts: 405
Registered: ‎07-31-2010
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Re: Home Depot Apps

Go HD!

CARDS.jpg

Valued Contributor
daybreakgonesXe
Posts: 1,861
Registered: ‎11-17-2012
0

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 :smileywink:

Capital One Quicksilver World Mastercard $10k | JCPenney Platinum $7.5k | Shell Drive for Five $800 | Chase Freedom Visa Signature $9.8k | TD Bank Easy Rewards Visa Signature $5k | Chase Sapphire Visa Signature $10k | American Express Blue Sky $25k | Discover IT $9.5k | SavingStar American Express $14.8k

FICOS: EX 744 EQ 706 TU 733 Credit Karma (TU) 785 Transrisk 804/990 Credit Sesame (EX) 764 Credit.com (EX) 764 VantageScore 3.0 719 Quizzle (EQ) 721

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