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Valued Member
amg550
Posts: 25
Registered: ‎04-26-2013

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 ?

Established Contributor
RushXTC
Posts: 581
Registered: ‎07-01-2013

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.

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Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: Home Depot CLI DECLINED !!

I agree you should call in.

Good luck!! :smileyhappy:



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Starting Score:
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Frequent Contributor
wreith
Posts: 450
Registered: ‎06-13-2012

Re: Home Depot CLI DECLINED !!

[ Edited ]

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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Valued Contributor
RockinRay
Posts: 1,935
Registered: ‎08-13-2007

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 **

Established Contributor
RushXTC
Posts: 581
Registered: ‎07-01-2013

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!

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Established Contributor
LesWH
Posts: 608
Registered: ‎10-11-2012

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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Established Contributor
RushXTC
Posts: 581
Registered: ‎07-01-2013

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**********$5,000***********$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)
Valued Member
amg550
Posts: 25
Registered: ‎04-26-2013

Re: Home Depot CLI DECLINED !!

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

New Contributor
GatorGuy
Posts: 351
Registered: ‎06-02-2013

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 :smileyhappy:


Definitely better than a $500 CL!

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