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Home depot credit card 5-7 day decision?

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New Contributor

Home depot credit card 5-7 day decision?

Hi, My wife applied for a Home Depot card and was told to call the number. She did and the representative asked what kind of credit line she's looking for and told him $10k. The representative said it'll be 5-7 business days until she gets her decision. Is this normal, should she call a different number? Her score is like 790ish and has no baddies. Thanks
Message 1 of 8
7 REPLIES 7
Valued Contributor

Re: Home depot credit card 5-7 day decision?

I’d almost say denial, but it could be pending verification

NFCU $60.4k/PenFed $22.5k/Commerce $15K/53 $11K/Synovus $14K/BBT $11K/CapOne $12K/DCU $7.5K/BMO $7.5K/Chase $14.5k/Cabelas $10K/ and many many more!
Total CL $398600, plus car and RV loan.
Ooh. Ooh. Getting closer to that $500K mark!
Message 2 of 8
New Contributor

Re: Home depot credit card 5-7 day decision?

What's to verify? A denial would be laughable.. Credit is flawless to say the least.
Message 3 of 8
Super Contributor

Re: Home depot credit card 5-7 day decision?

Probably just the process they use. I can't imagine she will not get the card. Let us know and good luck.


Daily Drivers: Penfed Platinum Rewards; NFCU GoRewards; Discover..
Message 4 of 8
Valued Contributor

Re: Home depot credit card 5-7 day decision?

Many factors go into the decsion with HD and the card is issued with Citibank. Much will depend on DTI, Income along with the score. They are not overly generous with starting limits (my experience).

Hopefully they will approve her for what she needs!

Message 5 of 8
Valued Contributor

Re: Home depot credit card 5-7 day decision?

What's to verify? Identity.
NFCU $60.4k/PenFed $22.5k/Commerce $15K/53 $11K/Synovus $14K/BBT $11K/CapOne $12K/DCU $7.5K/BMO $7.5K/Chase $14.5k/Cabelas $10K/ and many many more!
Total CL $398600, plus car and RV loan.
Ooh. Ooh. Getting closer to that $500K mark!
Message 6 of 8
New Contributor

Re: Home depot credit card 5-7 day decision?

We'll just have to wait and see. I'll update when she receives any updates. Thanks for the replies.
Message 7 of 8
Moderator

Re: Home depot credit card 5-7 day decision?

Hi @jdaws101, I've merged your two identical threads into one.  Please avoid cross-posting; it's confusing to follow and is against our guidelines here.

 

Thanks,

--UB

Message 8 of 8
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