Home Depot

[emily15]

A couple of months ago I had the Home Depot pre approval via website, and also received a letter and e-mail.

I didn't want to apply at the time and now if I go to the site there is no pre-qualified offer

Will it ever come up again? I'm not willing to coldapp without the pre-approval.

Guess I will just have to wait and see..

[Anonymous]

Have there been changes in your profile since the offer? Does your profile support a new app/card?

[Meanmchine]

oops  misread your original post.  Home depot is with Citi.  What if any is your history with them

[emily15]

No History with Citi (except for Macys and bloomingdales) which I believe are with citi now..

Like I said, I pre-qualified a few months ago through homedepot.com AND they sent mailers.

I think my uti might be different now....but not higher? I believe my uti is down but higher on specific cards...not sure if that would matter for their pre-approval though?

Anyway... I am not going to risk applying since that card isn't my top priority. 

Working on SP CLIs and aging accounts as well as getting uti down (currently at 29% total..but a few cards show high uti)..

Also working towards slowly closing the Comenity cards I don't need / want that destroyed my AAoA last year when I got carried away..

Side note * FINALLY paid myfico for scores and they are all around 650ish..

[Anonymous]

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@emily15 wrote:

No History with Citi (except for Macys and bloomingdales) which I believe are with citi now..

Like I said, I pre-qualified a few months ago through homedepot.com AND they sent mailers.

I think my uti might be different now....but not higher? I believe my uti is down but higher on specific cards...not sure if that would matter for their pre-approval though?

Anyway... I am not going to risk applying since that card isn't my top priority. 

Working on SP CLIs and aging accounts as well as getting uti down (currently at 29% total..but a few cards show high uti)..

Also working towards slowly closing the Comenity cards I don't need / want that destroyed my AAoA last year when I got carried away..

Side note * FINALLY paid myfico for scores and they are all around 650ish..

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I would keep working your plan. Thanks for responding.

[Anonymous]

Do you have a Lowe's near you? Synchrony does their cards, the approvals are usually easier, and they grow MUCH faster than HD. 

[emily15]

I applied a year ago (april 10) for lowes and got a denial. Can't remember the reason.
I got walmart and old navy at that time as well and just got cli increases for both to 3500. I would really like a synchrony visa or mc but i don't think my profile supports it (yet)

[emily15]

I also have amazon but was denied the cli and i believe because i have high uti on that account .

[Anonymous]

What is your TU score..? Any baddies, etc..? 

[emily15]

657 . TU is my worst report. Medical collections from 2010 show on that report and other negatives from a divorce ..

Just starting reading up on gw letters again so I think i will try and work on those negatives before apping for anything new . .