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Home Depot Commercial Approved 10K

Regular Contributor

Home Depot Commercial Approved 10K

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...

 

Message 1 of 9
8 REPLIES
Community Leader
Valued Contributor

Re: Home Depot Commercial Approved 10K

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

AMEX PLATINUM, DELTA PLAT & SPG | PenFed PR | NFCU FS | Discover IT | CAP1 QS & VENTURE | LOWES l NORDSTROM I WAYFAIR I
Message 2 of 9
Senior Contributor

Re: Home Depot Commercial Approved 10K

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.

Message 3 of 9
Community Leader
Super Contributor

Re: Home Depot Commercial Approved 10K

Lol, i like YOU countering themSmiley Happy Good trickSmiley Wink



Gardening since 6/13/18
Goal: No hps or cli requests at least til 1/1/19, 7/13/20 preferable
Message 4 of 9
Regular Contributor

Re: Home Depot Commercial Approved 10K

I didn't figure it could hurt!!

Message 5 of 9
Valued Member

Re: Home Depot Commercial Approved 10K

@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

Scores: Fico 8: 722 EQ | 734 TU | 722 EX
PenFed Auto: $46K | PenFed PCR: $10K | Amex BCP $5K | Cap1 QS: $3250 | Cap1 Plat: $600 | Chase: $500 | Comenity: $2500 /$1200/$850
Message 6 of 9
Senior Contributor

Re: Home Depot Commercial Approved 10K

Congratulations on the approval there.

FICO 08 Scores (Jun-18): TU 795, EQ 797, EX 791

Message 7 of 9
Regular Contributor

Re: Home Depot Commercial Approved 10K

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.  


Chase Business Ink 20k PenFed Plat Rewards VS 10k NFCU Go Rewards10700 BECU 10k Chase FU 6k NFCU Flag 5k Disco IT 5k Amex BCE 1k Gold Delta Skymiles Biz 5k Amex Biz Gold Rewards NPSL
Message 8 of 9
Epic Contributor

Re: Home Depot Commercial Approved 10K

Does not report to PG

Message 9 of 9