topic Re: Home Depot .. Approval in Credit Cards

Home Depot .. Approval

Anonymous — Sun, 30 Oct 2011 00:23:02 GMT

My husband and I went to Home Depot to look at bathroom vanities and carpeting, we found the carpet we liked and were setting up a day and time for the person to come and measure our home. The sales lady asked if we wanted to apply for the credit card we could get 10% off the carpet if we were approved, so I did and I was approved for $1000.00 on the spot.

I have wanted a Home Depot card for so long but my credit was never good enough and now it is!

Re: Home Depot .. Approval

Elated — Sun, 30 Oct 2011 02:27:10 GMT

Hi Butterfly,

First off, I'd like to say congrats to you on your approval for the Home Depot Credit Card! I have always wanted one of those myself. I received a pre-approved offer in the mail from them last month and had until Oct. 20th to apply; I didn't however because I am in the middle of the mortgage process. I will be closing on my new home in January.

I have a Lowe's CC already, and have had it for approximately 6 years already, but would love to have a Home Depot one.

If you don't mind my asking, what was your score and what CR did they pull?

Again, congrats!!!

Re: Home Depot .. Approval

Anonymous — Sun, 30 Oct 2011 03:01:50 GMT

Good shot! Very happy for u

Re: Home Depot .. Approval

Anonymous — Sun, 30 Oct 2011 03:12:47 GMT

You should call in and ask for a higher limit. When I applied, I was initially approved with Home Depot for $5,000. It was more than enough for what I needed, but I called in to see if I could get it increased.

They increased my limit, without question, to $17,000.

From what I've seen in CB.com's credit pulls database is that they're very good with increasing limits on new cards. And no new hard pull needed!

Re: Home Depot .. Approval

669 — Sun, 30 Oct 2011 04:03:25 GMT

Sorry for the drift but............JMN who is cb.com?

Re: Home Depot .. Approval

Red1Blue — Sun, 30 Oct 2011 04:09:54 GMT

Congrats...

Re: Home Depot .. Approval

Anonymous — Sun, 30 Oct 2011 09:46:55 GMT

Thanks everybody it seems they pulled experian. I was thinking they pulled TU but don't see inquiry on there as of this morning.

Re: Home Depot .. Approval

Booner72 — Wed, 28 Mar 2012 01:12:53 GMT

DH applied for Home Depot card online just now. He's working out of town and needed tools and payday isn't until friday, sooo

He was only approved for 500.00, they pulled EX, and his score (100-900 so I know it's not a FICO) was 716. He's going to ask for more tomorrow at the store. ( He refused to wait and apply there in case he was denied).

FYI for anyone who wants to know who they pull.

And FYI, back in August he was denied at HD but approved at Lowe's. Lowe's is now getting sock drawered.

And he is irritated at all these questions, I told him it was for the greater good to get the details.

Re: Home Depot .. Approval

MsLadyRover — Wed, 28 Mar 2012 01:35:49 GMT

@Booner72 wrote:
DH applied for Home Depot card online just now. He's working out of town and needed tools and payday isn't until friday, sooo

He was only approved for 500.00, they pulled EX, and his score (100-900 so I know it's not a FICO) was 716. He's going to ask for more tomorrow at the store. ( He refused to wait and apply there in case he was denied).

FYI for anyone who wants to know who they pull.

And FYI, back in August he was denied at HD but approved at Lowe's. Lowe's is now getting sock drawered.

And he is irritated at all these questions, I told him it was for the greater good to get the details.

Congrats on the new card!

When we closed on our home I applied for Home Depot in store and was approved for $1500. I remembered the threads here saying if you call the backdoor number you can have them increase the CL. So I called and they asked what limit I needed. I was a bit nervous so I said $3000. They put me on hold, came back and said it was approved. (Should have said $5000. LOL)

You should have Hubby give them a call. I believe the number I used is in the backdoor numbers listed above.

FYI...for me they pulled EQ.

Re: Home Depot .. Approval

LS2982 — Wed, 28 Mar 2012 01:53:30 GMT

@Anonymous wrote:
My husband and I went to Home Depot to look at bathroom vanities and carpeting, we found the carpet we liked and were setting up a day and time for the person to come and measure our home. The sales lady asked if we wanted to apply for the credit card we could get 10% off the carpet if we were approved, so I did and I was approved for $1000.00 on the spot.

I have wanted a Home Depot card for so long but my credit was never good enough and now it is!

Congrats!!!!

Re: Home Depot .. Approval

Booner72 — Sun, 01 Apr 2012 15:23:38 GMT

DENIED ON CLI!

716 was his score.

2500 is his highlest limit. WTH?? Weirdos. (only neg is bk filed 10/05).

When he talked to the phone rep from the store, they asked him about an address he lived at when he was in high school that his grandparents owned, asked him if he know who JV was who is his father. WoW, they sure know a lot more stuff than we think they know. NONE of this is on his reports....and he didn't have ANY credit back at that grandma address!!!!

Re: Home Depot .. Approval

Anonymous — Sun, 01 Apr 2012 15:32:18 GMT

@Anonymous wrote:
My husband and I went to Home Depot to look at bathroom vanities and carpeting, we found the carpet we liked and were setting up a day and time for the person to come and measure our home. The sales lady asked if we wanted to apply for the credit card we could get 10% off the carpet if we were approved, so I did and I was approved for $1000.00 on the spot.

I have wanted a Home Depot card for so long but my credit was never good enough and now it is!

Congratulations on the approval! It's so wonderful when your credit gets to the point where you're able to be approved for cards that you really want. So happy for you!

Re: Home Depot .. Approval

Creditaddict — Sun, 01 Apr 2012 16:38:55 GMT

@Booner72 wrote:
DENIED ON CLI!

716 was his score.

2500 is his highlest limit. WTH?? Weirdos. (only neg is bk filed 10/05).

When he talked to the phone rep from the store, they asked him about an address he lived at when he was in high school that his grandparents owned, asked him if he know who JV was who is his father. WoW, they sure know a lot more stuff than we think they know. NONE of this is on his reports....and he didn't have ANY credit back at that grandma address!!!!

Didn't he get approved for $500, and now he has $2500? Sorry if I missed something.

Yes HD and Lowes are known to give instant CLI if call in... still kicking myself for not doing it on my Lowes card... Next month I guess will look into my 4 month increase

Re: Home Depot .. Approval

LS2982 — Sun, 01 Apr 2012 16:39:09 GMT

@Booner72 wrote:
DENIED ON CLI!

716 was his score.

2500 is his highlest limit. WTH?? Weirdos. (only neg is bk filed 10/05).

When he talked to the phone rep from the store, they asked him about an address he lived at when he was in high school that his grandparents owned, asked him if he know who JV was who is his father. WoW, they sure know a lot more stuff than we think they know. NONE of this is on his reports....and he didn't have ANY credit back at that grandma address!!!!

Wow......

no idea how they got that info! (Maybe on teletrack / chexsystems)?

Re: Home Depot .. Approval

jefftca925 — Mon, 02 Apr 2012 07:04:27 GMT

@Booner72 wrote:
DENIED ON CLI!

716 was his score.

2500 is his highlest limit. WTH?? Weirdos. (only neg is bk filed 10/05).

When he talked to the phone rep from the store, they asked him about an address he lived at when he was in high school that his grandparents owned, asked him if he know who JV was who is his father. WoW, they sure know a lot more stuff than we think they know. NONE of this is on his reports....and he didn't have ANY credit back at that grandma address!!!!

They did the same thing to me when I was approved for my HD card. Asked some really "off the wall" questions that freaked me out a bit. They are pretty good about increasing the limit when you call the BD number. I went from an "in store" approval of $1001 to $7000 after I got home and called in.

Re: Home Depot .. Approval

RushXTC — Wed, 29 Jan 2014 06:02:15 GMT

@Anonymous wrote:
My husband and I went to Home Depot to look at bathroom vanities and carpeting, we found the carpet we liked and were setting up a day and time for the person to come and measure our home. The sales lady asked if we wanted to apply for the credit card we could get 10% off the carpet if we were approved, so I did and I was approved for $1000.00 on the spot.

I have wanted a Home Depot card for so long but my credit was never good enough and now it is!

Congrats! I've had my Home Depot card for a while, I was approved for $500 and used it here and there for stuff I needed. I applied for a CLI about 6 months ago and got $2,000 CL. I purchased a shed for $750 with the installation and 6 months to pay it off... Paid it off in 3-4 months, But still was denied for my $5,000 increase however I asked they use the same credit report instead of pulling a new one so that's probably why I got denied... I was going to help my dad rebuild a cement block wall, But I'm way too far in debt to do that right now. lol.

Re: Home Depot .. Approval

-Wade- — Wed, 29 Jan 2014 06:47:27 GMT

@Anonymous wrote:
My husband and I went to Home Depot to look at bathroom vanities and carpeting, we found the carpet we liked and were setting up a day and time for the person to come and measure our home. The sales lady asked if we wanted to apply for the credit card we could get 10% off the carpet if we were approved, so I did and I was approved for $1000.00 on the spot.

I have wanted a Home Depot card for so long but my credit was never good enough and now it is!

Congrats very nice CL

Re: Home Depot .. Approval

myjourney — Wed, 29 Jan 2014 06:52:25 GMT

I like the Congrats on a 2011 thread Lol

Very Old Thread Alert

Re: Home Depot .. Approval

-Wade- — Wed, 29 Jan 2014 06:54:20 GMT

@myjourney wrote:
I like the Congrats on a 2011 thread Lol

Very Old Thread Alert

you got to be kidding me!!!!

Re: Home Depot .. Approval

Shogun — Wed, 29 Jan 2014 17:42:58 GMT

Be nice!!!!!