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Currently i Have a Home Depot account 500.00 limit ...Just closed on my first home. Credit scores are at bottom. CU 9%. Wondering if better to go for Home depot increase (hard pull) . Or take the hard pull on Lowes. OR BOTH?? any opinions would be great? Lowes pulls TU. When i opened Home depot 2-pulls EQ and Ex.
My First Post by the way. Been a "watcher" for some time. I have learned a lot!!
@Anonymous wrote:My First Post by the way. Been a "watcher" for some time. I have learned a lot!!
Welcome to the forums. If you have both stores available my suggestion would be to go for the Lowes card. The chances of you getting a good CL is much better ultimately with Sync and Lowes. Upon approval with Lowes, call up Ge So,unions and ask for an increase of whatever CL they gave you initially to $25,000. If they don't give you that amount, they will counter and this is not another HP. Many people, including myself, are given very large CLIs when requested. I was able to raise my initial CL of $300 to $25K in an instant. Don't be shy in requesting the CLI. I don't think you would get much if any CLI with Citi and Home Depot.
Thanks for the Rapid response!! Recently CLI with walmart from 500 to 5000.00 I herd CITI is stingy! lol
@Anonymous wrote:Thanks for the Rapid response!! Recently CLI with walmart from 500 to 5000.00 I herd CITI is stingy! lol
Yes, Sync is much more known for sizable CLIs than Citi. Good luck and congrats on new home.
Definitely go with the Lowes Card. obtaining a 25K limit down the future will be more feasable as well as doing soft pulls only for CLIs.
Anything in particular I should say when calling in? Or is it just yes or no.
@Anonymous wrote:Anything in particular I should say when calling in? Or is it just yes or no.
tell them your planing on doing the best home reno ever and need a very large CL to support it.
Thanks !!! I will update results. Hanging on for the 5,000 walmart TL to update. 5 days!
@Anonymous wrote:Thanks !!! I will update results. Hanging on for the 5,000 walmart TL to update. 5 days!
Why do you need to wait for that?