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Citi Store cards - Home Depot

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chiefone4u
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.

Goodwill Saturation Technique
Starting Score: EQ:608, EX:617, TU:625
Current Score 3/11/2020: EQ:695, EX:703, TU:720
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
FinStar
Moderator Emeritus

Re: Citi Store cards - Home Depot

When do you plan on closing on the house?
Message 2 of 11
chiefone4u
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.

Goodwill Saturation Technique
Starting Score: EQ:608, EX:617, TU:625
Current Score 3/11/2020: EQ:695, EX:703, TU:720
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
scarfa21
Frequent 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
CCrew
Regular 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
Anonymous
Not applicable

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
SFLSpotter9210
Valued 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 32,500 | Penfed PowerCash 8,750 | PENFED GOLD 12,500 | PenFed PL 20,000 | NFCU AMEX Rewards 37,500 | NFCU GoRewards 7,000 | FNBO VISA SIGNATURE 9,400 | Capital One Quicksilver 6,300 | Lowe’s 34,500 | Wells Fargo Propel 19,700 | Barclay Apple1k | Citi Rewards+ 12,100 | Citi Double Cash 14,800 | Citi Simplicity 7,000 | PNC Core VISA 22,500 | USAA AMEX 10,000 | Discover 17,000 | BB&T Rewards 4,500 | BB&T Bright Card 4,500 | GS Apple 6,000 | Chevron 2,500 | Fico 8 Scores EQ=757 | EX=760 | TU=771scores and CL current as of 08/22/22 AAoA years 6 months | AoOA=18yrs
Message 7 of 11
chiefone4u
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).
Goodwill Saturation Technique
Starting Score: EQ:608, EX:617, TU:625
Current Score 3/11/2020: EQ:695, EX:703, TU:720
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
chiefone4u
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.
Goodwill Saturation Technique
Starting Score: EQ:608, EX:617, TU:625
Current Score 3/11/2020: EQ:695, EX:703, TU:720
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
Anonymous
Not applicable

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
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