topic Re: Home Depot YOLO in Credit Card Approvals

Home Depot YOLO

Brian_Earl_Spilner — Wed, 03 Jun 2020 14:28:34 GMT

I needed a Hammer Drill. Sync gave me 7-10 day for Lowe's so I said YOLO. I didn't expect to be approved, but I'm not planning to app for a while so _ _ _ _. The reason I didn't think I would be approved is the other day when I apped for Macy's, I did the Home Depot prequalify first and got nothing. I know they have different underwriting, but they're both CBNA, so why not? Second reason is I got $300 at Macy's, so I figured I was tapped for them. Since I was planning to spend over $1k, I gave it a shot for the 6 mos 0%. Got approved for $500 so I maxed that out. It didn't tell me anything about 0% so I hope it's there. Won't be able to look until I get my card.

Stay Gucci, my friends.

EX: 645 Bankcard 8

Inquiries: 18

Scorable inquiries: 6

AoOA: 21 yrs, 8 mos

AAoA: 6 yrs, 5 mos (I'm not doing the math for this)

AoYA: 0 mos

Auto Loan: 75% utilization

Lates: 6 over 3.5 years old

Chargeoffs: 1 open for $1400 total

Collections: 3 open for $1500

Utilization w/ chargeoff: 8%

Utilization w/o chargeoff: 0.003% (reporting as 0)

Income: $67,555

DTI: 0.009%

Re: Home Depot YOLO

M_Smart007 — Mon, 01 Jun 2020 20:47:26 GMT

Congratulations! ..

Re: Home Depot YOLO

Anonymous — Mon, 01 Jun 2020 20:47:55 GMT

@Brian_Earl_Spilner wrote:
... I got $300 at Macy's ... Got approved for $500 ....

You're growing on them. Congrats! on your approval & thanks for the DPs.

Re: Home Depot YOLO

Anonymous — Mon, 01 Jun 2020 20:56:32 GMT

Congrats on your new Home Depot approval!

Re: Home Depot YOLO

AllZero — Mon, 01 Jun 2020 20:57:41 GMT

Congratulations on your approval!

Re: Home Depot YOLO

gdale6 — Mon, 01 Jun 2020 21:09:07 GMT

Grats on the HD card

Re: Home Depot YOLO

dragontears — Mon, 01 Jun 2020 21:12:14 GMT

I can't figure it out, what does YOLO stand for?

Re: Home Depot YOLO

Anonymous — Mon, 01 Jun 2020 21:16:42 GMT

From Wiki: "YOLO is the acronym of the phrase "you only live once". Along the same lines as the Latin "carpe diem" ("seize the day"), it is a call to live life to its fullest extent, even embracing behavior which carries inherent risk."

Re: Home Depot YOLO

AllZero — Mon, 01 Jun 2020 21:16:27 GMT

You
Only
Live
Once

Re: Home Depot YOLO

dragontears — Mon, 01 Jun 2020 21:18:12 GMT

Thanks, never heard that acronym before and all I could think of was a county in California that is named Yolo

Re: Home Depot YOLO

K-in-Boston — Mon, 01 Jun 2020 21:27:42 GMT

Congrats on the approval and creative use of tags!

FWIW the Macy's card says CBNA on some of the paper, but the DSNB cards seem to be managed quite differently.

Re: Home Depot YOLO

CreditAggie — Mon, 01 Jun 2020 22:47:00 GMT

Congratulations on your Home Depot approval!

Re: Home Depot YOLO

Mr_Mojo_Risin — Mon, 01 Jun 2020 23:17:27 GMT

Home Depot always comes in handy! Nice going on the approval!

Re: Home Depot YOLO

M_Smart007 — Mon, 01 Jun 2020 23:17:52 GMT

@AllZero wrote:
You
Only
Live
Once

@AllZero, So why not live in "YOLO"?

Re: Home Depot YOLO

ChazzieT — Mon, 01 Jun 2020 23:32:56 GMT

Congratulations!

Re: Home Depot YOLO

Brian_Earl_Spilner — Mon, 01 Jun 2020 23:58:27 GMT

@Anonymous wrote:
@Brian_Earl_Spilner wrote:
... I got $300 at Macy's ... Got approved for $500 ....
You're growing on them. Congrats! on your approval & thanks for the DPs.

Yeah, right. Lol. At least I got a limit a majority of people on here get, even people with good credit.

Re: Home Depot YOLO

Brian_Earl_Spilner — Tue, 02 Jun 2020 00:01:57 GMT

@K-in-Boston wrote:
Congrats on the approval and creative use of tags!

FWIW the Macy's card says CBNA on some of the paper, but the DSNB cards seem to be managed quite differently.

Yeah, people can actually get CLIs on the Macy's. These are actually my first 2 cards approved by Citi. The one from Best Buy was from the portfolio transfer. Prior to the other day, I had never been approved for any Citi card at all.

Re: Home Depot YOLO

Brian_Earl_Spilner — Tue, 02 Jun 2020 00:03:48 GMT

@Mr_Mojo_Risin wrote:
Home Depot always comes in handy! Nice going on the approval!

I go fairly often. I typically don't need more than $500 there, but it would have been nice to put my whole purchase on the card

Re: Home Depot YOLO

AllZero — Tue, 02 Jun 2020 00:50:38 GMT

@M_Smart007 wrote:
@AllZero wrote:
You
Only
Live
Once
@AllZero, So why not live in "YOLO"?

@M_Smart007. Lolz, sure, why not. Intrigued, I looked and there a quite a few HD in YOLO county.

Re: Home Depot YOLO

Brooklyn2018 — Tue, 02 Jun 2020 01:04:40 GMT

Congrats on your approval, B!!👍👍👍

With MyFICO knowledge in your blood, there's no TELL'N where that limit will end up being. Madone! Forgetaboutit! 😉

I❤️NY