08-20-2012 10:02 AM
08-20-2012 10:09 AM
It's via Citi bank, apply you will probabably give you a toy limit, immediately call the number presented on the page with the new CL, ask for a CLI explain you bought a new home and have some home improvement projects that need to be done and I will need $X,000 (pick an amount you need plus a bit more dont want max out the card, I got 4k thinking about a steam front loading washer and drier) some here have reported CLI of 25k but they were on hold for 30 minutes to get it... my 4k CLI took about 5 minutes to approve.
btw i haven't bought the washer and dryer yet, but my CL is 4k had the card 5 months.
08-20-2012 10:22 AM
08-20-2012 10:41 AM
Home Depot is thru Citi, and I read some posts where people weren't very happy with them a few months ago. Citi can be difficult sometimes. You might want to consider Lowes thru GE, who can be pretty generous. You can call if your initial purchase is more and get CLI with GE lowes.
08-20-2012 11:53 AM
I also applied after our mortgage. Got it at $1500. I went into the store and asked them to increase it for some new appliances. The salesman got me on the phone with the credit folks. A few minutes later they doubled it to $3000. I paid at 0% for a year then paid it off. As soon as I paid it off, they cut the CL to $2700 I guess due to non-use. DW also had the card. She opened it with $600 but she never used it. Exactly one year later they closed it due to non-use which was OK by us.
08-20-2012 01:19 PM
HD Citi are good about getting CLI right after applying (Lowes not bad, just hear MUCH higher with Citi)
I tend to like Home Depot Better and Citi.
Reading all the posts and experience with other Citi cards and CLI it's like Amex (Amex says 3x current limit) HD doesn't really say you got $500 you should not call and only ask for $1500... ASK FOR $25k!!!
The HP is done, they are not going to turn around and say no we can't do $25 and we don't counter so oops you shouldn't have asked for that much... THEY ALWAYS COUNTER "IF' Available. (some talk on Amex, cardholders think when they don't get counter it's because they asked for to much, then the next poster reads that and they are scared to ask for it so they say something like $1000 and get it... it's not because how much you asked for)
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.