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Established Contributor
lithium78
Posts: 929
Registered: ‎07-30-2011
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Just received a pre-approval for Home Depot

I just received a pre-approval for the Home Depot card, which surprises me because I had an unpaid charge-off with Citi in 1996 and Citi backs that card.  Does this mean that I'm in the clear with Citi now?

 

I'm not going to apply for the card, because I don't own a house, so I don't have much need for supplies from Home Depot at this time, but it was nice to get a pre-approval for something.  I guess I'm making a lot of progress.


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Established Contributor
Smug
Posts: 961
Registered: ‎12-21-2010
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Re: Just received a pre-approval for Home Depot

Lol, I got one too, the declined me....don't even try.
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Senior Contributor
Wolf3
Posts: 3,198
Registered: ‎01-24-2010
0

Re: Just received a pre-approval for Home Depot


lithium78 wrote:

I just received a pre-approval for the Home Depot card, which surprises me because I had an unpaid charge-off with Citi in 1996 and Citi backs that card.  Does this mean that I'm in the clear with Citi now?

 

I'm not going to apply for the card, because I don't own a house, so I don't have much need for supplies from Home Depot at this time, but it was nice to get a pre-approval for something.  I guess I'm making a lot of progress.


Maybe not.  I have a CO with CIT card for 2008.     I also got a pre-approval for Home Depot and it was approved.   I also was approved for another store card backed by CITI the month before.  

I have been getting weekly preapprovals for various CITI (Thank You, Simplicity, Diamond) and gave it a shot.   Denied, basically because of the charge off. 

 

So I think the blacklisting does not apply to store cards.

Established Contributor
flowfaster
Posts: 787
Registered: ‎08-30-2011
0

Re: Just received a pre-approval for Home Depotgot the same

I got the same mailing. Tossed it.

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