cancel
Showing results for 
Search instead for 
Did you mean: 

Citi Store cards - Home Depot

Highlighted
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.

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
Highlighted
Moderator

Re: Citi Store cards - Home Depot

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

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
Highlighted
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
Highlighted
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
Highlighted
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
Highlighted
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 23,900 Penfed PowerCash 8,750 NFCU AMEX Rewards 33,500 NFCU GoRewards 3,000
Capital One Quicksilver 6,300
Lowe’s 30,000
Barclay Apple1k
Citi Rewards+ 9,100
Citi Double Cash 13,300
Citi Simplicity 4,100
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=760EX=768TU=750 scores and CL current as of 05/16/20 AAoA=2years6minths AoOA=17yrs
Message 7 of 11
Highlighted
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).
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
Highlighted
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.
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
Highlighted
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.