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Burned City (HD card), any possibility for a future relationship?

Regular Contributor

Burned City (HD card), any possibility for a future relationship?

Unfortuanately, I burned City 8 years ago.

It was a Home Depot card issued by City.

Is there any possibility that City will give me another chance, or am I black listed?

Thanks in advance.

Rebuild Started: May 2017 (Fico 500’s)
Current Scores: EQ786, TU791, EX784
Goals: Fico > 800’s & 100k in Credit


      $500              $2100            $11,000
Message 1 of 19
18 REPLIES
Community Leader
Super Contributor

Re: Burned City (HD card), any possibility for a future relationship?

Yes you have hope. Citi eventually forgives , more sooner than Amex imo. I included Citi in my bk7 10 years ago and i have a DC and multiple Citi backed retail cards.

To obtain Credit One Kenobi status upon 0/24 is to Garden Harden!!
Message 2 of 19
Senior Contributor

Re: Burned City (HD card), any possibility for a future relationship?

I burned Citi for a LOT over 10 years ago.

 

Starting in December 2017 I'm getting mailers every 2-3 weeks with pretty good terms.

 

No prequal for me on their website yet, though, but the mailers look solid.

 

Citi doesn't offer any cards I want, though, so it's kind of a wash for me.  I wouldn't mind getting one in 2019 just to rebuild a relationship, but it would go right into the SD, lol.

Message 3 of 19
Super Contributor

Re: Burned City (HD card), any possibility for a future relationship?

I had a Citi card in DMP but they gave me a Best Buy card last year when I bought my TV.  I don't know if HD does this but Sams sometimes print a pre-approval for a MC when you checkout there so I would check them out.

01/23/2018: FICO 829 EQ 827 TU 831 EX
Message 4 of 19
Regular Contributor

Re: Burned City (HD card), any possibility for a future relationship?

That's great to hear! I'm eyeballing the double cash & hoping to evetually have it in my wallet
Rebuild Started: May 2017 (Fico 500’s)
Current Scores: EQ786, TU791, EX784
Goals: Fico > 800’s & 100k in Credit


      $500              $2100            $11,000
Message 5 of 19
Regular Contributor

Re: Burned City (HD card), any possibility for a future relationship?

It's good to know that you're getting mailers. Who knows, thier future cards may end up having something enticing to offer for you.
I remember that you're holding out for csp. Smart choice. Which ever of these two (citi & chase) open up first, i will go for it. Then amex afterwards
Thanks for the info!
Rebuild Started: May 2017 (Fico 500’s)
Current Scores: EQ786, TU791, EX784
Goals: Fico > 800’s & 100k in Credit


      $500              $2100            $11,000
Message 6 of 19
Regular Contributor

Re: Burned City (HD card), any possibility for a future relationship?

Thanks Marty, i will look into that 😊
Rebuild Started: May 2017 (Fico 500’s)
Current Scores: EQ786, TU791, EX784
Goals: Fico > 800’s & 100k in Credit


      $500              $2100            $11,000
Message 7 of 19
Community Leader
Super Contributor

Re: Burned City (HD card), any possibility for a future relationship?

Go to the HD website, and you'll see on there, "check to see if your are prequalified"...Try that route first.
(BK7 d/c-08/2013/FICO-400's) ~ Current scores....Your guess is as good as mine! ???
Scores being held down by tons of INQ/New acts Smiley Wink
Message 8 of 19
Regular Contributor

Re: Burned City (HD card), any possibility for a future relationship?

That was a grand ideal.
I'm pre-qualified with a high, but solid apr.
If im blacklisted, do you think their system would catch it prior to pre-qualifing?
Rebuild Started: May 2017 (Fico 500’s)
Current Scores: EQ786, TU791, EX784
Goals: Fico > 800’s & 100k in Credit


      $500              $2100            $11,000
Message 9 of 19
Community Leader
Super Contributor

Re: Burned City (HD card), any possibility for a future relationship?


Chi-townBrickie wrote:
That was a grand ideal.
I'm pre-qualified with a high, but solid apr.
If im blacklisted, do you think their system would catch it prior to pre-qualifing?

Citi retail side and Citibank legacy are two different operating systems within Citibank. I can get all I want on the retail side with them, but im BL still for awhile on the legacy side.  If you have a prequal showing, and you really want the HD card, then pull the trigger.  You might get approved for a small SL 300-500 initially, (I burned them in my BK, and got them back with a sl of $500, so its possible), but the CL will get higher over time, trust me...mines currently at $15k Smiley Wink

(BK7 d/c-08/2013/FICO-400's) ~ Current scores....Your guess is as good as mine! ???
Scores being held down by tons of INQ/New acts Smiley Wink
Message 10 of 19