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Home Depot Mailer

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Regular Contributor

Home Depot Mailer

Got a letter in the mail from Home Depot (Citi) stating i've been pre-selected to apply with a reference number. The bottom of the page states the apr range can go from 17.99% to 26.99% but when I flip it over to the consumer credit disclosures it gives me a direct 17.99% APR. Does this give high indications of an approval? 

 

I don't really need this card, or really like the offerings.. Lowes is way better. But would like to just know for now & future reference if I should ever get this mailer again and have a change of card status. 

 

Thanks.

EX: 797 F8 - 3 inquiries
EQ: 798 F8 - 2 inquiries
TU: 799 F8 - 7 inquiries

Message 1 of 4
3 REPLIES 3
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Moderator

Re: Home Depot Mailer

It's simply a marketing/invite offer, regardless of any code or reference # inclusive of the opt-out language.  Alternatively, a better method to gauge the odds for a potential approval is to use the pre-qualifying portal at the Home Depot website for the card.

Message 2 of 4
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Regular Contributor

Re: Home Depot Mailer


@FinStar wrote:

It's simply a marketing/invite offer, regardless of any code or reference # inclusive of the opt-out language.  Alternatively, a better method to gauge the odds for a potential approval is to use the pre-qualifying portal at the Home Depot website for the card.


Good call

 

10_24_20_02_14.png

EX: 797 F8 - 3 inquiries
EQ: 798 F8 - 2 inquiries
TU: 799 F8 - 7 inquiries

Message 3 of 4
Highlighted
Moderator

Re: Home Depot Mailer


@AddictedToApprovals wrote:

@FinStar wrote:

It's simply a marketing/invite offer, regardless of any code or reference # inclusive of the opt-out language.  Alternatively, a better method to gauge the odds for a potential approval is to use the pre-qualifying portal at the Home Depot website for the card.


Good call

 

10_24_20_02_14.png


And, if you wanted your own Lowe's CC (unless you're content as an AU), Lowe's just recently introduced a pre-qualification tool on their website under the Lowes CC section.

Message 4 of 4
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