topic Re: Lowes or Home Depot? (Are they inq sens) in Credit Card Approvals

Lowes or Home Depot? (Are they inq sens)

mccallb — Sun, 13 Mar 2016 18:59:31 GMT

Hey all - after a solid 2 months in the garden (lol) I'm looking to get some stuff for my house. Probably around 1k worth of stuff, but I want to go with whomever will give me the biggest limit and best financing terms.

I'd love to do a 12 or 18 month no interest, which makes me feel like Lowes is probably best.

Also I'd want to know how inq sensitive they are. My profile's pretty good. I have 9% util, about 80K total avail, and my score is 720-730 depending on which CRA and which model you use, and 7 inqs, with about 5 in the last 4 months.

Any suggestions would be awesome!

Re: Lowes or Home Depot? (Are they inq sens)

Anonymous — Sun, 13 Mar 2016 19:00:41 GMT

lowes hands down.

Re: Lowes or Home Depot? (Are they inq sens)

mccallb — Sun, 13 Mar 2016 19:02:28 GMT

I"ve heard about the "ask for 25K" bit on this site. SHould I apply from home wait till I get the card and when it comes ask for the limit increase, or get the card, see what I'm approved for and call?

I want to make sure if I throw an extra 1K onto my debt pile I stay low on util so I want at least 10K on the card, but 20K would be better, of course

IE: Should I do all this before I even go into the store?

Re: Lowes or Home Depot? (Are they inq sens)

Bankrupt2019 — Sun, 13 Mar 2016 19:05:01 GMT

Absolutely Lowes

Re: Lowes or Home Depot? (Are they inq sens)

Anonymous — Sun, 13 Mar 2016 19:05:13 GMT

do it now. apply online, get your $700-$1,100 approval, call the number in your email or on this site and get a CLI to $10k or more but ask for $35k

Re: Lowes or Home Depot? (Are they inq sens)

Anonymous — Sun, 13 Mar 2016 19:06:13 GMT

^^^^^^^ what they said. Citi is fickle.

Re: Lowes or Home Depot? (Are they inq sens)

mccallb — Sun, 13 Mar 2016 19:07:05 GMT

The backdoor/recon # is open on sundays?

Re: Lowes or Home Depot? (Are they inq sens)

Bankrupt2019 — Sun, 13 Mar 2016 19:10:32 GMT

Apply online

then call 1-866-519-6441 and ask for your $25k or $35k as 2011Xterror recommended.

Re: Lowes or Home Depot? (Are they inq sens)

Bankrupt2019 — Sun, 13 Mar 2016 19:07:56 GMT

@mccallb wrote:
The backdoor/recon # is open on sundays?

sure is

Re: Lowes or Home Depot? (Are they inq sens)

Anonymous — Sun, 13 Mar 2016 19:08:43 GMT

24/7 if i am not mistaken

Re: Lowes or Home Depot? (Are they inq sens)

Anonymous — Sun, 13 Mar 2016 19:27:15 GMT

I have a home depot credit card from Citibank. I applied last year with a 650 fico with 5 inquiries. I was immediately approved for $2000. Few months later my TU was 680 and I asked for $10K and it was countered for $6K. I always receive in the mail special financing promotions from home depot. Still Lowe's hands down will give you a high increase with a soft pull As terms to home depot which requires a hard pull. Although Lowe's is a little more expensive however you get a 5%discount, as for home depot they no longer do the 5% discount. I love my home depot consumer card however Lowe's takes it.

Re: Lowes or Home Depot? (Are they inq sens)

mccallb — Sun, 13 Mar 2016 19:43:23 GMT

Thanks guys!

Got insta approved at 2K, reconed to 17K

you guys rock!

Re: Lowes or Home Depot? (Are they inq sens)

Anonymous — Sun, 13 Mar 2016 19:49:38 GMT

congrats enjoy your new card

Re: Lowes or Home Depot? (Are they inq sens)

Bankrupt2019 — Sun, 13 Mar 2016 20:03:32 GMT

@mccallb wrote:
Thanks guys!

Got insta approved at 2K, reconed to 17K

you guys rock!

Congrats!

Re: Lowes or Home Depot? (Are they inq sens)

someg33k — Sun, 13 Mar 2016 23:38:09 GMT

Lowes FTW!

My card was at $1500 limit. Called Sync Credit Solutions and bumped to 15k in a 2 minute phone call

Re: Lowes or Home Depot? (Are they inq sens)

Anonymous — Sun, 13 Mar 2016 23:41:01 GMT

Congrats

Re: Lowes or Home Depot? (Are they inq sens)

ddemari — Mon, 14 Mar 2016 02:56:43 GMT

congrats! I just lowered my Lowes from 35k to 15k because I was getting near max exposure with Synch bank. Lowes is hands down much easier to deal with. Good choice!

Re: Lowes or Home Depot? (Are they inq sens)

EW800 — Mon, 14 Mar 2016 03:48:08 GMT

Congrats on the approval and getting the CL from $2K to $17K!!

Re: Lowes or Home Depot? (Are they inq sens)

Anonymous — Mon, 14 Mar 2016 04:37:06 GMT