Can't Believe Citi Home Depot has a Pre-Qual Offer For Me

[Bmac66]

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@Ron1 wrote:

Congrats!! I have both Lowes and Home Depot. I usually go Lowes to buy stuff because of 5% discount.

Ron.

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Same here Ron. I have both but the 5% off is a much better deal for me

[mato01]

What was your starting credit limit. Got the pre qualifier just don't want a toy limit.

[Creditaddict]

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@mato01 wrote:
What was your starting credit limit. Got the pre qualifier just don't want a toy limit.

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my partner cold applied and was approved for $737, called in and recon to $25k.

They are like Lowes, approval limit does not matter, I have never heard of someone not getting more if they ask!

[Anonymous]

I got the prequal, and was absolutly shocked after Citi declined me for everything else.  I took it, "Available for purchase" limit of $1000, I'm guessing it may be a higher limit when it gets here?  22.9% APR.  Gave me the account number, and temp CID, purchased a few handbars I needed for mom in the bathroom.  Guess I'll see what the actual limit is when it gets here.

[woodyman100]

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@kdm31091 wrote:

Even though I prefer HD to Lowe's for shopping, the HD credit card seems pretty worthless reward-wise. It does offer 0% periods, but so do plenty of good cashback cards so meh. If HD had the 5% like Lowe's, I'd long since have had the HD card.

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+1 I have both cards and the Lowes card is definitely better. I pay. Take 5%. Pay the bill ASAP.

Home Depot is for the 0% offers only, but I haven't used it for that yet. It's simply a backup for a home emergency

[Creditaddict]

That's probably the limit but submit a cli online for $25k and they will review and counter in usually an hour

[Cmikul]

I must have a different HD card  than most.

My card gets me 5% off of every purchase I make at HD when I use it.

 I do have to check the box on their card reader so it's not completely passive. 

[taxi818]

For me they both serve a purpose. Not for actual merchandise as they have the same things inside the store. But both give outstanding limits for utlization One day i will buy a lawn mower or something like that. Just not right now.

[jim44]

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@Creditaddict wrote:

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@mato01 wrote:
What was your starting credit limit. Got the pre qualifier just don't want a toy limit.

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my partner cold applied and was approved for $737, called in and recon to $25k.

They are like Lowes, approval limit does not matter, I have never heard of someone not getting more if they ask!

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Man, I miss that card.  It was my  2nd store card... I cold apped in the store and got a whopping $800. limit.  Called within 3 months asking for a CLI and was denied.  Two months later I ordered some kitchen cupboards and had my first CLI to 5K.  When the acct was closed in 2010 my CL was $25k.  Unfortunately the acct was IIBK as there was an $600 promotional balance. However the TL never reported any lates and just recently fell off my CRs.  Applied a year ago and was denied due to BK. 

[Creditaddict]

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@jim44 wrote:

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@Creditaddict wrote:

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@mato01 wrote:
What was your starting credit limit. Got the pre qualifier just don't want a toy limit.

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my partner cold applied and was approved for $737, called in and recon to $25k.

They are like Lowes, approval limit does not matter, I have never heard of someone not getting more if they ask!

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Man, I miss that card.  It was my  2nd store card... I cold apped in the store and got a whopping $800. limit.  Called within 3 months asking for a CLI and was denied.  Two months later I ordered some kitchen cupboards and had my first CLI to 5K.  When the acct was closed in 2010 my CL was $25k.  Unfortunately the acct was IIBK as there was an $600 promotional balance. However the TL never reported any lates and just recently fell off my CRs.  Applied a year ago and was denied due to BK. 

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might be time to try again... Pizza got approved with less than 1 a year bk... I still get denied though (inq) mostly.