topic Re: Home Depot questions in Credit Card Applications

Home Depot questions

Anonymous — Thu, 11 Feb 2016 02:22:12 GMT

What has been going on with the Home Depot cards lately? I'm looking to drop a few g's for some appliances, paint, flooring and other stuff for our house and would like to take the 0% period.

Does it matter where I apply? Online or at the checkout? Do they give huge limits, or are they strict like other Citi accounts?

Re: Home Depot questions

Creditaddict — Thu, 11 Feb 2016 05:53:01 GMT

@Anonymous wrote:
What has been going on with the Home Depot cards lately? I'm looking to drop a few g's for some appliances, paint, flooring and other stuff for our house and would like to take the 0% period.
Does it matter where I apply? Online or at the checkout? Do they give huge limits, or are they strict like other Citi accounts?

I would apply online because the initial limits are not usually huge but they are great about instant counter.

My partner was approved for $1433 or something weird online... called in and asked for $35k and they countered $25k.

Re: Home Depot questions

Anonymous — Thu, 11 Feb 2016 05:56:16 GMT

@Anonymous wrote:
What has been going on with the Home Depot cards lately? I'm looking to drop a few g's for some appliances, paint, flooring and other stuff for our house and would like to take the 0% period.
Does it matter where I apply? Online or at the checkout? Do they give huge limits, or are they strict like other Citi accounts?

Is there a lowes nearby? Easy credit with generous CL and 5% off using the card . Plus they will price match.

Re: Home Depot questions

Anonymous — Thu, 11 Feb 2016 13:08:47 GMT

Thanks CA. I'll apply online if I go for it. Is it another HP to request a CLI?
Julie Lowe's is not in the picture as the closest one is about 15 minutes as opposed to the 5 minute HD trip. I like HD better anyway so.

The more I think about it, i'll probably just use one of my rewards cards, or even apply for some different card with a 0% period. The Home Depot card does not seem to offer a whole lot the more I look at it, other than the recurring 0% offers.

Re: Home Depot questions

Creditaddict — Thu, 11 Feb 2016 17:06:21 GMT

@Anonymous wrote:
Thanks CA. I'll apply online if I go for it. Is it another HP to request a CLI?
Julie Lowe's is not in the picture as the closest one is about 15 minutes as opposed to the 5 minute HD trip. I like HD better anyway so.

The more I think about it, i'll probably just use one of my rewards cards, or even apply for some different card with a 0% period. The Home Depot card does not seem to offer a whole lot the more I look at it, other than the recurring 0% offers.

HD will sometimes pull a 2nd pull during a recon of CLI but not always... my partner did not get an additional hp... they used the original.

Re: Home Depot questions

Anonymous — Fri, 12 Feb 2016 02:07:38 GMT

So in the spur of the moment when I was checking out and buying our washer/dryer, I decided to go ahead and apply for the card. They were offering 12 months 0% and $50 off so I applied and approved for $5000.
Certainly not my highest limit, but i'm happy with it for now!

Re: Home Depot questions

Creditaddict — Fri, 12 Feb 2016 02:08:45 GMT

You should always recon Lowes and Home Depot if you ask me

Re: Home Depot questions

Anonymous — Fri, 12 Feb 2016 02:09:42 GMT

Does HD have a chat option?

Re: Home Depot questions

Creditaddict — Fri, 12 Feb 2016 02:17:00 GMT

No, either submit cli online for review or call in.... Ask for $25k