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Just received a pre-approval for Home Depot

Established Contributor

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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Message 1 of 4
3 REPLIES
Established Contributor

Re: Just received a pre-approval for Home Depot

Lol, I got one too, the declined me....don't even try.
Experian® 808/Equifax® ?/TransUnion® 810
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Last CLI 6-13-2013
Total Credit $121,190.00
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Message 2 of 4
Senior Contributor

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.

Message 3 of 4
Established Contributor

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

I got the same mailing. Tossed it.

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