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The same thing happen to me,I was in shock.No problem I since opened an account with "LOWE"S" and they approved me with no problem.
I too loved "HOME DEPOT" but they will get no more business from me
Check out LOWE'S it's as busy as Home Depot and you actually have store personnel in the store to assist you when needed.
I would call a CITI credit analyst with a current copy of credit report in hand.
I forgot to mention 5% off