topic Re: Home Depot - no go, plus Juniper nervousness in Credit Cards

Home Depot - no go, plus Juniper nervousness

Anonymous — Mon, 10 Mar 2008 19:48:31 GMT

Got the word from Home Depot today - it was a decline. Boo.

But no mention of the BK, so I'll bide my time until next year. 2009 will be the year of the Prime.

Juniper is making me really nervous. Everything I've read on here suggests to me that they are twitchy, which is in turn making me twitchy. So I had made a sizable payment towards my charge on there a couple days ago and just did a small BT for the remainder. I think I'll just let the card sit at zero until I decide what to do with it.

And somewhere on here I read something about HD vs Lowe's and their approval patterns. Someone (sorry not sure which thread it was on) said they thought HD seemed to approve men and Lowe's was women. I could be wrong, but interestingly enough that's how it went with me. No matter though. I'm very happy with the Lowe's account and they work great for the projects we have coming up.

Re: Home Depot - no go, plus Juniper nervousness

Anonymous — Mon, 10 Mar 2008 21:40:01 GMT

Hi BoysMumx2,
Who did Lowes pull, and yes I have a Home Depot (and I am male, so you count me in the pattern), but I like the way Lowes is set up, much easier to find things, so I was thinking of apping.

Thanks!

Re: Home Depot - no go, plus Juniper nervousness

Red1Blue — Mon, 10 Mar 2008 21:42:45 GMT

Lowes Card is serviced by GEMB and it is not very easy to get CLI from GEMB. They are very stingy.

Re: Home Depot - no go, plus Juniper nervousness

Anonymous — Mon, 10 Mar 2008 21:49:50 GMT

@Anonymous wrote:
Hi BoysMumx2,
Who did Lowes pull, and yes I have a Home Depot (and I am male, so you count me in the pattern), but I like the way Lowes is set up, much easier to find things, so I was thinking of apping.

Thanks!

Hi, Lowe's is GEMB and they pulled TU. Initial CL was $700 and I got instant approval. I like Lowe's too. There are some items I prefer at Home Depot, particularly in the gardening center, but I'm really happy with Lowe's. They've got a great promotion going on right now too.

I only hope that GEMB isn't totally stingy with the CLI's as we'll be wanting to do bigger projects in a couple of years.

Re: Home Depot - no go, plus Juniper nervousness

Anonymous — Mon, 10 Mar 2008 21:58:57 GMT

HOme Depot seems to approve more men and Lowes more women because that is their customer make up in my experience. The Home Depot that I worked at had more male customers due in part to the small contractors. Also the Lowes that I worked at seemed to have about even to slightly more women customers.

I would definetly prefer to shop Home Depot. But at either one I don't not need much help for most of the store.

Re: Home Depot - no go, plus Juniper nervousness

Anonymous — Mon, 10 Mar 2008 22:05:55 GMT

Thanks!

Re: Home Depot - no go, plus Juniper nervousness

haulingthescoreup — Mon, 10 Mar 2008 22:51:30 GMT

Female with Home Depot here. I preferred Lowe's stores for a long time, partly because of those wacko ads that Home Depot used to have. But after DH and I stood around for 20-30 minutes at Lowe's last fall, waiting for someone in flooring, we went to HD, were pounced on, had great service, great installation, they got $9K of my HELOC money, and 3 months later, I got a card ($4K.) Everyone was happy. (And I paid for it with a USAA AmEx, so I doubt that they know that I was a serious customer.)

I still like Lowe's, but in our area, HD has much better service. And I'm so wary of GEMB that I will think long and hard before getting a Lowe's card. Even though I absent-mindedly went to the Lowe's store to activate my HD card. (They were very gracious and good-natured.) I did tell them that if and when Lowe's switches to a decent bank to handle their card, I'll be there in a flash.

And btw, in terms of contractors, a Lowe's employee told me that contractors have so much trouble with the service on the Lowe's card that they'd rather not fool with it. Maybe that's why they're all over at HD now? I still kinda like Lowe's, though...

I guess I have to follow Tony Stewart now.

Re: Home Depot - no go, plus Juniper nervousness

Anonymous — Mon, 10 Mar 2008 23:25:46 GMT

I'm not going to give up on HD, since they do offer things that I prefer... and I agree, customer service at Lowe's is not all that great. So 2008 will be the year for Lowe's and 2009 will have to be the HD year, since I don't think CITI will touch me until then.

My mum swears by HD, so I think they'll be worth the wait. I'm just crossing my fingers that GEMB isn't awful to deal with...

Re: Home Depot - no go, plus Juniper nervousness

Anonymous — Mon, 10 Mar 2008 23:37:21 GMT

HD is like .25 miles from me.

I don't have any CITI products-

Re: Home Depot - no go, plus Juniper nervousness

Anonymous — Tue, 11 Mar 2008 00:40:57 GMT

Hauling - I actually have had a good experience with GEMB/Lowe's......

CL of $15k and no problems with anything. Bought a couple of appliances there as well as recarpeted a bedroom all through them.

No problems at all. I suppose I could go for a CLI, but $15k is pretty good when I never use more than a couple grand......

Re: Home Depot - no go, plus Juniper nervousness

haulingthescoreup — Tue, 11 Mar 2008 00:47:52 GMT

@Anonymous wrote:

Hauling - I actually have had a good experience with GEMB/Lowe's......

CL of $15k and no problems with anything. Bought a couple of appliances there as well as recarpeted a bedroom all through them.

No problems at all. I suppose I could go for a CLI, but $15k is pretty good when I never use more than a couple grand......

It seems to be so variable about the different levels of service, mainly according to where you live.

I guess a lot of it comes down to their regional offices, and how much emphasis they put upon service within their group. And $15k is great!!!

I can always root for Jimmie Johnson over Tony Stewart!

Re: Home Depot - no go, plus Juniper nervousness

Anonymous — Tue, 11 Mar 2008 00:53:33 GMT

sorry to here that. i have 500 hd over a year now, got declined by lowe's last spring. today got a pre-approval from lowe's min 300 up to 1k, not if i can help it gemb (french for stingy!).

Re: Home Depot - no go, plus Juniper nervousness

haulingthescoreup — Tue, 11 Mar 2008 01:33:11 GMT

--You guys will never know how close I came just now... I have the Lowe's cc app up on one window, and WhoGaveMeCredit on another. I just kept looking on WGMC at those small starting limits in almost every case. I wouldn't mind a small starting limit if I thought they would grow, but GEMB doesn't have a good track record in this department.

I haven't even used the HD card yet! No point in having both at this point, I guess. We'll see what happens when DD#1 comes back from New Orleans Katrina work to be my general contractor. And that's backed up to June now.

Whew, dodged a bullet there...

Re: Home Depot - no go, plus Juniper nervousness

fishbjc — Tue, 11 Mar 2008 01:40:13 GMT

I prefer Lowes and do have their card for myself!!! They've been really good to me, but aren't great about cli's!!!!

Re: Home Depot - no go, plus Juniper nervousness

haulingthescoreup — Tue, 11 Mar 2008 02:38:21 GMT

@fishbjc wrote:

I prefer Lowes and do have their card for myself!!! They've been really good to me, but aren't great about cli's!!!!

Sounds like the smart thing to do with Lowe's, if you want a good CL, is to hold off until your report and scores are nice and shiny. Since my reports currently look like New York City trashcans after being handled by bad-tempered sanitation workers, I'm holding off for 6 months or more.

Re: Home Depot - no go, plus Juniper nervousness

Anonymous — Tue, 11 Mar 2008 13:14:56 GMT

@haulingthescoreup wrote:
@fishbjc wrote:
I prefer Lowes and do have their card for myself!!! They've been really good to me, but aren't great about cli's!!!!

Sounds like the smart thing to do with Lowe's, if you want a good CL, is to hold off until your report and scores are nice and shiny. Since my reports currently look like New York City trashcans after being handled by bad-tempered sanitation workers, I'm holding off for 6 months or more.

That's about the best description of a credit report that I've seen on here! lol!!

Does anyone know what it takes to get a CLI with GEMB/Lowe's? I hope I won't be perpetually stuck at low CL.

Re: Home Depot - no go, plus Juniper nervousness

Anonymous — Wed, 12 Mar 2008 00:28:10 GMT

Yes, since I am only 8 months out of bk, no way I get $15k CL now....I got that back in '04 when my scores were 760-775. Maybe in 2017 when the bk falls off!