topic Re: Home Depot CLI in Credit Card Applications

Home Depot CLI

Srivera718 — Mon, 15 Jan 2024 03:12:10 GMT

I have a Home Depot Card that now is at a year and nine months old. I've never received a CLI nor have I requested one since it'll be a HP. I have some home updates/repairs that needs to be made and I wonder if requesting a CLI would be worth the HP. A $10,000 or $15,000 limit would be perfect.

Current limit: 2k (Always PIF before statement and once reported 40 bucks. I had forgotten about it)

DP: Fico 723, EX: 723 TU:732

Util 23%

Acct: 0/6 2/12 3/24

Inquiries: 0/6 2/12 7/24 (3 Inqs fall off in April)

Income: 150k

What ya think community? What's my odds looking like?

Re: Home Depot CLI

Blender — Mon, 15 Jan 2024 02:58:03 GMT

Send it.

Re: Home Depot CLI

Srivera718 — Mon, 15 Jan 2024 03:05:12 GMT

@Blender wrote:
Send it.

I'm reading this like go for it. If I ask for $15,000 and they don't approve it will they counter?

Re: Home Depot CLI

Drifter73 — Mon, 15 Jan 2024 03:20:50 GMT

@Srivera718 wrote:
@Blender wrote:
Send it.
I'm reading this like go for it. If I ask for $15,000 and they don't approve it will they counter?

I was at $1k, spent $200 in 6mo, asked for $10k, they countered at $6.5k and I accepted it.

I'm sure it's different for everyone and profile dependent.

Re: Home Depot CLI

Srivera718 — Mon, 15 Jan 2024 03:34:49 GMT

@Drifter73 wrote:
@Srivera718 wrote:
@Blender wrote:
Send it.
I'm reading this like go for it. If I ask for $15,000 and they don't approve it will they counter?
I was at $1k, spent $200 in 6mo, asked for $10k, they countered at $6.5k and I accepted it.

I'm sure it's different for everyone and profile dependent.

Knowing they could counter helped. I asked for 15k and was instantly approved. The Hard Pull alerts have already come in but it puts me at 8/24 with inquiries and feels worth it.

Re: Home Depot CLI

Blender — Mon, 15 Jan 2024 14:28:01 GMT

@Srivera718 wrote:
@Drifter73 wrote:
@Srivera718 wrote:
@Blender wrote:
Send it.
I'm reading this like go for it. If I ask for $15,000 and they don't approve it will they counter?
I was at $1k, spent $200 in 6mo, asked for $10k, they countered at $6.5k and I accepted it.

I'm sure it's different for everyone and profile dependent.
Knowing they could counter helped. I asked for 15k and was instantly approved. The Hard Pull alerts have already come in but it puts me at 8/24 with inquiries and feels worth it.

Glad drifter was able to help you, congrats on a hell of a CLI!

Re: Home Depot CLI

CreditAggie — Mon, 15 Jan 2024 19:08:35 GMT

OP has been approved and started a thread in approvals. Please continue discussion there.

I have asked the mods to close this thread.

Re: Home Depot CLI

toddc — Tue, 24 Sep 2024 21:24:16 GMT

Here's another datapoint. With scores similiar to yours I was at 4k and didnt use my card really at all since i opened it a few months ago, just asked for 6k cli to 10k and instantly approved no counters or anything. I probably left some on the table and should have asked for 15 or 20k I guess.