topic Re: Home Depot Commercial Net 60 Approved in Business Credit

Home Depot Commercial Net 60 Approved

Creditaddict — Fri, 26 Jul 2019 16:54:32 GMT

Home Depot and Citi finally changed the commercial credit products... Revolving requires PG as it mostly has forever but they now have a Net 30 and Net 60 that you can choose not to PG.

I did it in store and it went pending, they had this guy on hold for about 15-20, then spoke to me and after another 10 or so (yes, I'm patient when it comes to no PG credit!!) They came back and said they could not verify the phone and would need me to fax in a bill.

I faxed in my phone bill and LLC State paperwork for additional touch because all my phones are Verizon and I was afraid they would not like that.

They called and left a voicemail with a code after a few days.

I called in and gave what I thought was the code and was told it would be processed.

I received a decline letter but it looked like before I had called so I called today and she initially says declined because of EX business credit... and I was like that doesn't sound right because it was pending based on verification... why would it go to verification if not approved... she puts me on hold and comes back and asks about the phone call with code... I was like we did that... she was like do you happen to still have it (thank you apple) went into deleted voicemails, played it and they added 3 numbers to my original reference number on the end... I gave those to her and she practically screamed, THAT'S IT! Give me about 2 minutes, we can get you approved for $10k (What I asked for originally on the app) I just need to process it.

She comes back and says great, all set and cards are being sent out... if you need to use it before, just go into the store and give them the reference number!!!!

I feel like I have been after a Home Depot for EVER!

Re: Home Depot Commercial Net 60 Approved

GApeachy — Fri, 26 Jul 2019 17:20:46 GMT

I got all excited but then it asked if we are incorporated and make less than 2 mil. Guess I'm out. They keep denying me on revolving, idk why when they gave me a $5 limit. I went ahead and closed my personal, do you think I can get any of their cards with less exposure?

Re: Home Depot Commercial Net 60 Approved

GApeachy — Fri, 26 Jul 2019 17:21:51 GMT

Oh, and congrats....I know it does feel like forever trying to snag that one

Re: Home Depot Commercial Net 60 Approved

Creditaddict — Fri, 26 Jul 2019 17:23:16 GMT

Your not LLC?
I don’t do $2 million

Re: Home Depot Commercial Net 60 Approved

GApeachy — Fri, 26 Jul 2019 17:31:29 GMT

@Creditaddict wrote:
Your not LLC?
I don’t do $2 million

No, S-Corp....don't do $2 million either.

Re: Home Depot Commercial Net 60 Approved

bizcredit11 — Fri, 26 Jul 2019 21:12:37 GMT

@Creditaddict

Congrats! That a tough No PG to get. Nice limit for Citi too.

Did you apply in store in the past apps?

bizcredit11

Re: Home Depot Commercial Net 60 Approved

Creditaddict — Fri, 26 Jul 2019 21:38:31 GMT

@bizcredit11 wrote:
@Creditaddict

Congrats! That a tough No PG to get. Nice limit for Citi too.

Did you apply in store in the past apps?

bizcredit11

This was my first in store as the last time I had done it, it got to the end and asked for pg without a way for them to override.

Re: Home Depot Commercial Net 60 Approved

GApeachy — Fri, 26 Jul 2019 21:48:28 GMT

@Creditaddict wrote:
@bizcredit11 wrote:
@Creditaddict

Congrats! That a tough No PG to get. Nice limit for Citi too.

Did you apply in store in the past apps?

bizcredit11
This was my first in store as the last time I had done it, it got to the end and asked for pg without a way for them to override.

Do you think they could override pg for s-corp as well?....in store that is.

Re: Home Depot Commercial Net 60 Approved

Creditaddict — Fri, 26 Jul 2019 21:49:54 GMT

S Corp is a corporation though? You have ein and established credit?

Re: Home Depot Commercial Net 60 Approved

jaxstraw — Sat, 27 Jul 2019 01:00:07 GMT

Interesting to see this post since last night I applied online for the same thing.

Was surprised to see the 60 day option.

Went no PG and got a Code 25 call in.

Did that this morning....they had to call back to verify phone....and the approval for 4K SCL.

Congrats to you !!!

@Creditaddict wrote:
Home Depot and Citi finally changed the commercial credit products... Revolving requires PG as it mostly has forever but they now have a Net 30 and Net 60 that you can choose not to PG.
I did it in store and it went pending, they had this guy on hold for about 15-20, then spoke to me and after another 10 or so (yes, I'm patient when it comes to no PG credit!!) They came back and said they could not verify the phone and would need me to fax in a bill.
I faxed in my phone bill and LLC State paperwork for additional touch because all my phones are Verizon and I was afraid they would not like that.
They called and left a voicemail with a code after a few days.
I called in and gave what I thought was the code and was told it would be processed.
I received a decline letter but it looked like before I had called so I called today and she initially says declined because of EX business credit... and I was like that doesn't sound right because it was pending based on verification... why would it go to verification if not approved... she puts me on hold and comes back and asks about the phone call with code... I was like we did that... she was like do you happen to still have it (thank you apple) went into deleted voicemails, played it and they added 3 numbers to my original reference number on the end... I gave those to her and she practically screamed, THAT'S IT! Give me about 2 minutes, we can get you approved for $10k (What I asked for originally on the app) I just need to process it.
She comes back and says great, all set and cards are being sent out... if you need to use it before, just go into the store and give them the reference number!!!!
I feel like I have been after a Home Depot for EVER!

Re: Home Depot Commercial Net 60 Approved

Anonymous — Sat, 27 Jul 2019 03:33:05 GMT

Awesome! I app'd for this one a bunch times myself before I was approved for 5k ( What I asked for) I had to enroll in the fuel rewards to get Net60, which wasn't a big deal, was free and I never used the card for fuel.

Re: Home Depot Commercial Net 60 Approved

Kasuito39 — Sat, 27 Jul 2019 15:19:10 GMT

Congrats. Kindly share the link for home depot. Thanks

Re: Home Depot Commercial Net 60 Approved

jaxstraw — Sat, 27 Jul 2019 18:36:17 GMT

@Kasuito39 wrote:
Congrats. Kindly share the link for home depot. Thanks

https://www.homedepot.com/c/Commercial_Credit_Card

Re: Home Depot Commercial Net 60 Approved

pizza1 — Sat, 27 Jul 2019 19:36:45 GMT

CA, thats FANTASTIC!!!! YAY!! Finally...lordy! Much congrats on the approval, and very excited for you