cancel
Showing results for 
Search instead for 
Did you mean: 

Citi Store cards - Home Depot

Established Contributor

Citi Store cards - Home Depot

Hello,
I'm in the process of buying a house so I won't actually apply until after I have the keys to the new house.

I was wondering how likely a pre approval from Citi for the Home Depot credit card is if you've opened two cards in the last 90 days?

Opened ExxonMobil card 11/30/2018 (SL $800)
Opened Costco 12/08/2018 (SL $5,500)

Last week the HD prequal site said no, today I checked out of curiosity and it said approved if I apply before April 17th.

BrutalBodyShots - Good Will Saturation Technique

Starting Score: EQ:608, EX:617, TU:625
Score 10/2018: EQ:669, EX:686, TU:668
Score 11/17/2018: EQ:682, EX:681, TU:683
Current Score 3/11/2020: EQ:695, EX:703, TU:720
12/24/2018 -- EQ Beacon 5.0: 678, EX Fico II: 690, TU Fico Classic 04: 716

Goal Score: 740+


Take the myFICO Fitness Challenge

Discover IT $1000Cabelas Clasic $1000Coscto Anywhere Signature Visa -Citi- $7200ExxonMobil Smartcard -Citi- $2500Playstation Visa (Comenity) $1950QuickSilver One $2200Walmart $6000Wells Fargo Platinum Visa $3000

Member of the Synchrony Bank giveth then Taketh away April 2020 Club! $86,900 in available credit gone without warning.

Newest Account July 8, 2020 -- Last HP October 24, 2020 -- Gardening Goal:
August 2022 and reach 0/24
Message 1 of 11
10 REPLIES 10
Moderator

Re: Citi Store cards - Home Depot

When do you plan on closing on the house?
Message 2 of 11
Established Contributor

Re: Citi Store cards - Home Depot

We were supposed to close February 22nd. We are guessing it is going to be delayed a few days to a week since the appraiser isn't expected back to sign off on a few corrected issues until Monday.

BrutalBodyShots - Good Will Saturation Technique

Starting Score: EQ:608, EX:617, TU:625
Score 10/2018: EQ:669, EX:686, TU:668
Score 11/17/2018: EQ:682, EX:681, TU:683
Current Score 3/11/2020: EQ:695, EX:703, TU:720
12/24/2018 -- EQ Beacon 5.0: 678, EX Fico II: 690, TU Fico Classic 04: 716

Goal Score: 740+


Take the myFICO Fitness Challenge

Discover IT $1000Cabelas Clasic $1000Coscto Anywhere Signature Visa -Citi- $7200ExxonMobil Smartcard -Citi- $2500Playstation Visa (Comenity) $1950QuickSilver One $2200Walmart $6000Wells Fargo Platinum Visa $3000

Member of the Synchrony Bank giveth then Taketh away April 2020 Club! $86,900 in available credit gone without warning.

Newest Account July 8, 2020 -- Last HP October 24, 2020 -- Gardening Goal:
August 2022 and reach 0/24
Message 3 of 11
Regular Contributor

Re: Citi Store cards - Home Depot


@chiefone4u wrote:
We were supposed to close February 22nd. We are guessing it is going to be delayed a few days to a week since the appraiser isn't expected back to sign off on a few corrected issues until Monday.


I wouldent really worry about the pre qual, I was always denied and just applied after the close of my house, approved instantly.




Message 4 of 11
Contributor

Re: Citi Store cards - Home Depot

You'll probably get approved. They're not real generous on SL's. 

 

Case in point my HD card is $500 and my Lowes is $12k. CLI is a hard pull with HD. Not so with Lowes (Synchrony)

Message 5 of 11
Valued Contributor

Re: Citi Store cards - Home Depot

Applied in store at Home depot April, 2017, for the $75 off if approved. Instant approval of $8K. November, 2018, applied in store when cashier said you can have multiple store cards. Another $75 savings was looking good. Instant approval of $8K. I like the 0% financing. Came in handy when I purchased my new fridge. I do have a Citi CC applied online July, 2015, instant approval for $8.4K. A couple of SP's CLI increases since. Also, a Goodyear store card that was also an in store instant approval for $3K from May, 2018.  I dropped the Citi AA when the first annual fee hit.

Message 6 of 11
Established Contributor

Re: Citi Store cards - Home Depot

Congratulations on your home purchase. I app’d for 3 citi cards and were approved. Then I app’d for HD and was approved but, for only 2k. And I see that a CLI requires a HP. So good luck. They pulled EQ which was Fico 8 score off 699 and EX at 670.
NFCU Flagship 25,000 Penfed PowerCash 8,750 PenFed PL 20,000 NFCU AMEX Rewards 33,500 NFCU GoRewards 7,000
Capital One Quicksilver 6,300
Lowe’s 30,000
Barclay Apple1k
Citi Rewards+ 10,600
Citi Double Cash 14,800
Citi Simplicity 5,500
PNC Core VISA 12,500
Home Depot 1,000
Discover 13,000
BB&T Rewards 4,500 BB&T Bright Card 4,500 GS Apple 5,500 Chevron 1650 Fico 8 Scores EQ=755,EX=748,TU=765 scores and CL current as of 01/21/21 AAoA=2years6minths AoOA=17yrs
Message 7 of 11
Established Contributor

Re: Citi Store cards - Home Depot

Thank you for the DP's...

I'll be sure to report back the outcome when I finally apply (with keys in hand).
BrutalBodyShots - Good Will Saturation Technique

Starting Score: EQ:608, EX:617, TU:625
Score 10/2018: EQ:669, EX:686, TU:668
Score 11/17/2018: EQ:682, EX:681, TU:683
Current Score 3/11/2020: EQ:695, EX:703, TU:720
12/24/2018 -- EQ Beacon 5.0: 678, EX Fico II: 690, TU Fico Classic 04: 716

Goal Score: 740+


Take the myFICO Fitness Challenge

Discover IT $1000Cabelas Clasic $1000Coscto Anywhere Signature Visa -Citi- $7200ExxonMobil Smartcard -Citi- $2500Playstation Visa (Comenity) $1950QuickSilver One $2200Walmart $6000Wells Fargo Platinum Visa $3000

Member of the Synchrony Bank giveth then Taketh away April 2020 Club! $86,900 in available credit gone without warning.

Newest Account July 8, 2020 -- Last HP October 24, 2020 -- Gardening Goal:
August 2022 and reach 0/24
Message 8 of 11
Established Contributor

Re: Citi Store cards - Home Depot

Received the keys to the new house last night and about 3 hours later I went ahead and applied for Home Depot consumer credit card.

Instant approval, $500 limit... thinking I should have waited for the loan to post.

HD's disclosure said they pulled Experian with a score of 703 (out of 900 ). MyFico shows a Fico8 score of 697.
BrutalBodyShots - Good Will Saturation Technique

Starting Score: EQ:608, EX:617, TU:625
Score 10/2018: EQ:669, EX:686, TU:668
Score 11/17/2018: EQ:682, EX:681, TU:683
Current Score 3/11/2020: EQ:695, EX:703, TU:720
12/24/2018 -- EQ Beacon 5.0: 678, EX Fico II: 690, TU Fico Classic 04: 716

Goal Score: 740+


Take the myFICO Fitness Challenge

Discover IT $1000Cabelas Clasic $1000Coscto Anywhere Signature Visa -Citi- $7200ExxonMobil Smartcard -Citi- $2500Playstation Visa (Comenity) $1950QuickSilver One $2200Walmart $6000Wells Fargo Platinum Visa $3000

Member of the Synchrony Bank giveth then Taketh away April 2020 Club! $86,900 in available credit gone without warning.

Newest Account July 8, 2020 -- Last HP October 24, 2020 -- Gardening Goal:
August 2022 and reach 0/24
Message 9 of 11
New Contributor

Re: Citi Store cards - Home Depot


@chiefone4u wrote:
Received the keys to the new house last night and about 3 hours later I went ahead and applied for Home Depot consumer credit card.

Instant approval, $500 limit... thinking I should have waited for the loan to post.

HD's disclosure said they pulled Experian with a score of 703 (out of 900 ). MyFico shows a Fico8 score of 697.

Sounds ditto of what happened to me. Closed on house Nov 6th, app'd for HD and got $500.  Less than a month later i app'd for BestBuy and Citi gave me a Visa Sig @ 3k. My profile was virtually the same except for a couple more INQ's. My mortgage loan hadn't posted yet either, it just did this month after 2 payments. Underwriting criteria is definitely tight on the HD it appears.  To note i did not show as being prequalified when i tried their tool online for the HD card.

Message 10 of 11
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.