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Established Contributor
Posts: 540
Registered: ‎08-05-2009
0 Kudos

Re: Lowes vs. Home Depot

My wife has Lowes. Opened 6/2008. Within two years, went from $2K starting CL to $4K to $5K to $10K. All requested via website and all soft pulls. I requested CLI two more times after the last one and was denied. They said $10K was the highest they can go.


I have HD. Opened 7/2010 with $500.00 CL. Requested $1500.00 CLI about 8 months after opening. Granted with a hard pull. I won't ask again. Just curious to see if they give me a auto CLI which I'm not expecting anytime soon as I'm carrying a 0% promotional balance of $1700.00. I'll just keep plugging away at the balance until May, 2013 and see at what point they find in their heart to give me a CLI, if at all. 

Amex BCE $11.1 / Citi Diamond Preferred WMC $12K / Citi Double Cash WMC $3.8K / Comenity Total Rewards Visa $2.5K / Citi Home Depot $5K / AU- Amex BCP $12K / Chase Freedom Visa $11014.00 / PenFed Platinum Rewards Visa Signature $6K / GE Lowes $10K
myFico Scores on 10/03/2014
Eq 798 / Exp 811 / Trans 814
CCT Fico 08 on 1/3/16 - Trans 786 / Exp 793 / Eq 797
Senior Contributor
Posts: 3,197
Registered: ‎01-24-2010
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Re: Lowes vs. Home Depot

Citi does not blacklist for store cards for me.   I have a CO on CITI visa and they deny me for major card.   But 2 approvals for store cards.   Home Depot just approved for $7K..

Valued Member
Posts: 115
Registered: ‎04-30-2012
0 Kudos

Re: Lowes vs. Home Depot

nice man that a good credit line i had a 28k line of credit with hd 

Wolf3 wrote:

Citi does not blacklist for store cards for me.   I have a CO on CITI visa and they deny me for major card.   But 2 approvals for store cards.   Home Depot just approved for $7K..


Frequent Contributor
Posts: 328
Registered: ‎08-16-2011
0 Kudos

Re: Lowes vs. Home Depot

I was approved back in December for a HD card with a 3K CL. At the time I applied I still had an old Citi CO that was paid from years ago. I was able to get them to remove it after I was approved but was still approved for 3K with HD.


GE hates me, so I didn't even attempt Lowes. lol

05/31/2013 672 EQ (Fico), 03/08/2012 697 TU (Fico)

Closed on my first home 12/07/11! Officially a homeowner, thanks to this forum!!!

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