topic Re: Home Depot CLI question in Credit Cards

Home Depot CLI question

Bella143 — Mon, 19 Aug 2013 16:25:19 GMT

How often can you request a CLI with Home Depot? Is it every 6 months or have people had luck with less?

Re: Home Depot CLI question

rob022574 — Mon, 19 Aug 2013 19:59:25 GMT

I opened card in late June and was approved with a $750 limit.

I called back around day 24 or 25 of being a cardholder and requested a CLI. They approved me for a limit of $5000 with no hard pull, being the last pull was less than 30 days old.

In addition to that, I called back first week of August and requested a CLI in line with my Lowes ($10,000 limit). It cost me a hard pull but I was approved for a total line of $11,000. So $10,250 in increases for one hard pull.... i'll take that every day.

My EQ score at time was 697 with 4 INQ and two paid collections on CR.

Re: Home Depot CLI question

startnow — Mon, 19 Aug 2013 20:28:16 GMT

@rob022574 wrote:
I opened card in late June and was approved with a $750 limit.

I called back around day 24 or 25 of being a cardholder and requested a CLI. They approved me for a limit of $5000 with no hard pull, being the last pull was less than 30 days old.

In addition to that, I called back first week of August and requested a CLI in line with my Lowes ($10,000 limit). It cost me a hard pull but I was approved for a total line of $11,000. So $10,250 in increases for one hard pull.... i'll take that every day.

My EQ score at time was 697 with 4 INQ and two paid collections on CR.

What number did you use fto call in for Home Depot?

Re: Home Depot CLI question

OptimalCS — Tue, 20 Aug 2013 00:03:53 GMT

Every six months I believe.

Re: Home Depot CLI question

RushXTC — Tue, 20 Aug 2013 06:39:18 GMT

@rob022574 wrote:
I opened card in late June and was approved with a $750 limit.

I called back around day 24 or 25 of being a cardholder and requested a CLI. They approved me for a limit of $5000 with no hard pull, being the last pull was less than 30 days old.

In addition to that, I called back first week of August and requested a CLI in line with my Lowes ($10,000 limit). It cost me a hard pull but I was approved for a total line of $11,000. So $10,250 in increases for one hard pull.... i'll take that every day.

My EQ score at time was 697 with 4 INQ and two paid collections on CR.

Dang, Lucky! I was approved for $500, I spent and paid on time a total of about $1,500 overall (Not at once) then I asked for $2,000 increase and was approved (Online) went and bought a shed, sent a $150 payment and called them to ask for $5,000... Was denied

I got a hard pull on the $1,500 increase =/

@startnow wrote:
@rob022574 wrote:
I opened card in late June and was approved with a $750 limit.

I called back around day 24 or 25 of being a cardholder and requested a CLI. They approved me for a limit of $5000 with no hard pull, being the last pull was less than 30 days old.

In addition to that, I called back first week of August and requested a CLI in line with my Lowes ($10,000 limit). It cost me a hard pull but I was approved for a total line of $11,000. So $10,250 in increases for one hard pull.... i'll take that every day.

My EQ score at time was 697 with 4 INQ and two paid collections on CR.

What number did you use fto call in for Home Depot?

Call the number on the back of the card and after you enter your info, Don't press a button, Just wait and after like 5 minutes it'll transfer you to a CS rep.

Re: Home Depot CLI question

rob022574 — Tue, 20 Aug 2013 13:17:04 GMT

@RushXTC wrote:
@rob022574 wrote:
I opened card in late June and was approved with a $750 limit.

I called back around day 24 or 25 of being a cardholder and requested a CLI. They approved me for a limit of $5000 with no hard pull, being the last pull was less than 30 days old.

In addition to that, I called back first week of August and requested a CLI in line with my Lowes ($10,000 limit). It cost me a hard pull but I was approved for a total line of $11,000. So $10,250 in increases for one hard pull.... i'll take that every day.

My EQ score at time was 697 with 4 INQ and two paid collections on CR.

Dang, Lucky! I was approved for $500, I spent and paid on time a total of about $1,500 overall (Not at once) then I asked for $2,000 increase and was approved (Online) went and bought a shed, sent a $150 payment and called them to ask for $5,000... Was denied

I got a hard pull on the $1,500 increase =/

@startnow wrote:
@rob022574 wrote:
I opened card in late June and was approved with a $750 limit.

I called back around day 24 or 25 of being a cardholder and requested a CLI. They approved me for a limit of $5000 with no hard pull, being the last pull was less than 30 days old.

In addition to that, I called back first week of August and requested a CLI in line with my Lowes ($10,000 limit). It cost me a hard pull but I was approved for a total line of $11,000. So $10,250 in increases for one hard pull.... i'll take that every day.

My EQ score at time was 697 with 4 INQ and two paid collections on CR.

What number did you use fto call in for Home Depot?
Call the number on the back of the card and after you enter your info, Don't press a button, Just wait and after like 5 minutes it'll transfer you to a CS rep.

Yes call number on back of card. I got lucky. But I also think the Lowe's 10K line (which has now increased to 17K btw) played a role and I let them know I wanted a limit commesurate with my Lowe's. Nothing wrong with using leverage.