Home Depot Commercial Approved 10K

[Mm587]

All three scores are about 710.  My utilization is a little high (about 25% - in the middle of a house flip.  Most are 3% fee, no interest).  Today I applied for and was approved with a 10K limit for a Home Depot commercial revolving credit card with an opening cl of 10K.  I was asking for 25K.  When I apped they said the need more info.  I called and then asked a few identifying questions then put me on hold to look at credit file...analyst came back and offered 10K.  I countered for 15K but she declined.  My question is whether i could call back and escelate for a higher openiing lilne...

[Anonymous]

Congrats on the approval.....as for escalating for a higher limit after you'd already been denied and your counter was denied, I dunno. 

[pipeguy]

Congrats on the HD card approval - I wouldn't worry about the request for an increased CL right away, it's usually denied by Citi on the HD card (both me and my wife's attempt), but give it 6 months and it'll increase nicely. I'm currently at $25k and the wife is at $20k, both started at $5k.

[AverageJoesCredit]

Lol, i like YOU countering them Good trick

[Mm587]

I didn't figure it could hurt!!

[Anonymous]

@Mm587 

Thanks for sharing. What did your biz credit profile look like when you app'd? Did you PG? I just got a Shell card today for $3K & debating if I want to try for another Citi backed card. I am a B on EX with nothing reporting in last 2 yrs and no PayDex generated yet. Biz around since 04 but haven't done anything with credit for last few years until last month when I opened a few Net 30. TIA! ;-)

I don't mind PG'ing on apps as long as they don't actually report to my personal credit. 

TU 757 / EX 722 / EQ 722 right now with ~19% util but a lot of recent apps/few new accounts

[simplynoir]

Congratulations on the approval there.

[ToughFistFight]

Does anyone know if this card reports to personal?  Being a Citi product?

Just checked, it does not.  

That is sweet.  Might check this one out a little closer.  Like the rewards.  My hubby and I are in the "Real Estate Investor" game also.  

[Creditaddict]

Does not report to PG