Credit Cards

[lithium78]

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.

[Smug]

Lol, I got one too, the declined me....don't even try.

[Wolf3]

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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.

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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.

[flowfaster]

I got the same mailing. Tossed it.