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Home Depot CLI DECLINED !!

Valued Member

Home Depot CLI DECLINED !!

I currently have a 712 score as they pulled just closed on a house last week I do have a $500 limit with HD never been late but when the time I request a CLI they decline me for various reason that were dated 6 years back from my bk like not sure why they see that I did close on a house with no problems anyone I can talk to for a recon ?

Message 1 of 10
9 REPLIES
Established Contributor

Re: Home Depot CLI DECLINED !!

Call the # on the back of the card and ask them personally.

 

I have had my HD card for a while, I had a $500 limit too. Recently I asked for $2000 in total and it was approved right away, Not sure how much I could have gotten away with... I should have asked for moe, Since I did Sears at the same time, I had $500 there and asked for $2000 and received $5000 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 2 of 10
Mega Contributor

Re: Home Depot CLI DECLINED !!

I agree you should call in.

Good luck!! Smiley Happy



EQ FICO 548 3/3/16
Message 3 of 10
Frequent Contributor

Re: Home Depot CLI DECLINED !!

I was recently approved for the HD card.  I got a $500 limit, I called the backdoor number and reconned the limit, I was bumped up to $2200.  I say call in.

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Message 4 of 10
Valued Contributor

Re: Home Depot CLI DECLINED !!

Call in and tell them you want new appiances or something like that. Tell them it will cost around $5k to get what you want... I did this when I first got their card and it worked like a charm.

 

Went from $2k to $6500k instant.

 

Good luck!

Ray

** Every Card has a Job, and Every Card does its Job **
Message 5 of 10
Established Contributor

Re: Home Depot CLI DECLINED !!

Ughh... I was tempted because of my approval, I called them and asked to use the same report as the last one (Less than a month ago) they said that's fine, In order to avoid an extra inquiry. I asked for $5,000 which is what my Sears card was approved for, They told me I'd receive a letter with my final decision because I wasn't instantly approved for the increase. We all know that means a decline =P

 

Oh well, Least I tried! You should too. Especially if your last online CLI request was recent!

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 6 of 10
Established Contributor

Re: Home Depot CLI DECLINED !!


RushXTC wrote:

Call the # on the back of the card and ask them personally.

 

I have had my HD card for a while, I had a $500 limit too. Recently I asked for $2000 in total and it was approved right away, Not sure how much I could have gotten away with... I should have asked for moe, Since I did Sears at the same time, I had $500 there and asked for $2000 and received $5000 lol.


Was the Sears a hard or soft pull?


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Message 7 of 10
Established Contributor

Re: Home Depot CLI DECLINED !!


LesWH wrote:

RushXTC wrote:

Call the # on the back of the card and ask them personally.

 

I have had my HD card for a while, I had a $500 limit too. Recently I asked for $2000 in total and it was approved right away, Not sure how much I could have gotten away with... I should have asked for moe, Since I did Sears at the same time, I had $500 there and asked for $2000 and received $5000 lol.


Was the Sears a hard or soft pull?


 

From what I can tell, Soft.

 

My limit is already being reported on Credit Karma, But there was no extra inquiry... Just for home depot and staples, Which I actually did all on the same day.

 

I think it's because I've been using it for a long time with a balance, Giving high payments then reloading it with gas and stuff, I had like a 91% utilization at some point on it, Then I paid it off completely. So I guess that helped me out a lot.

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 8 of 10
Valued Member

Re: Home Depot CLI DECLINED !!

Okay I called the executive Office and they were able to increase to $1500  guess its better than nothing Smiley Happy

Message 9 of 10
Highlighted
New Contributor

Re: Home Depot CLI DECLINED !!


amg550 wrote:

Okay I called the executive Office and they were able to increase to $1500  guess its better than nothing Smiley Happy


Definitely better than a $500 CL!

If women didn't exist, all the money in the world would have no meaning. -- Aristotle
Starting Score: 777
Current Score:  761
Goal Score:      800
Message 10 of 10