Home Depot CLI

[Srivera718]

I have a Home Depot Card that now is at a year and nine months old. I've never received a CLI nor have I requested one since it'll be a HP. I have some home updates/repairs that needs to be made and I wonder if requesting a CLI would be worth the HP. A $10,000 or $15,000 limit would be perfect. 

Current limit: 2k (Always PIF before statement and once reported 40 bucks. I had forgotten about it)

DP: Fico 723, EX: 723 TU:732

Util 23%

Acct: 0/6 2/12 3/24

Inquiries: 0/6 2/12 7/24 (3 Inqs fall off in April)

Income: 150k

What ya think community? What's my odds looking like?

[Blender]

Send it.

[Srivera718]

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@Blender wrote:

Send it.

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I'm reading this like go for it. If I ask for $15,000 and they don't approve it will they counter?

[Drifter73]

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@Srivera718 wrote:

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@Blender wrote:

Send it.

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I'm reading this like go for it. If I ask for $15,000 and they don't approve it will they counter?

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I was at $1k, spent $200 in 6mo,  asked for $10k, they countered at $6.5k and I accepted it.

I'm sure it's different for everyone and profile dependent.

[Srivera718]

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@Drifter73 wrote:

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@Srivera718 wrote:

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@Blender wrote:

Send it.

---

I'm reading this like go for it. If I ask for $15,000 and they don't approve it will they counter?

---

I was at $1k, spent $200 in 6mo,  asked for $10k, they countered at $6.5k and I accepted it.

I'm sure it's different for everyone and profile dependent.

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Knowing they could counter helped. I asked for 15k and was instantly approved. The Hard Pull alerts have already come in but it puts me at 8/24 with inquiries and feels worth it.

[Blender]

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@Srivera718 wrote:

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@Drifter73 wrote:

---

@Srivera718 wrote:

---

@Blender wrote:

Send it.

---

I'm reading this like go for it. If I ask for $15,000 and they don't approve it will they counter?

---

I was at $1k, spent $200 in 6mo,  asked for $10k, they countered at $6.5k and I accepted it.

I'm sure it's different for everyone and profile dependent.

---

Knowing they could counter helped. I asked for 15k and was instantly approved. The Hard Pull alerts have already come in but it puts me at 8/24 with inquiries and feels worth it.

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Glad drifter was able to help you, congrats on a hell of a CLI!

[CreditAggie]

OP has been approved and started a thread in approvals. Please continue discussion there. 

I have asked the mods to close this thread. 

[toddc]

Here's another datapoint.  With scores similiar to yours I was at 4k and didnt use my card really at all since i opened it a few months ago, just asked for 6k cli to 10k and instantly approved no counters or anything.   I probably left some on the table and should have asked for 15 or 20k I guess.