home depot application

[Anonymous]

i just applied for the home depot card. was told to contact them to complete application and recieve decission. the office doesn't open for a few hours and the suspense is killing me lol.

anyone have any idea if chances are good since they didn't outright deny me?

[AverageJoesCredit]

Probably good to go, seems like there is alot of verification going on these days but thats just how it goes . They probably just want to make sure its you applying. Hope you get it!

[Anonymous]

Apart from the scores in your siggy, how does your credit look like?  Can you divulge more info. for better responses?  The home depot card is issued by Citi so without the details of your credit profile, it will be hard to answer your question.

[Anonymous]

I thought you were going to the garden 😂. 

[elim]

update?   :]

[Anonymous]

My profile is in the rebuilding stages. 1 collection 5yr old for $1300 and 1 charge off from 5yrs ago for $13500. No lates in over a yr, but I did have 8 30 day prior to that. 4 credit cards showing on report all current never late with 25% uti. 8 inquiries on tu and 4 on the other two.

Yes I am in the garden as of 10:00 am this morning, this was applied for on my irresponsible app spree this morning. I applied for PayPal,bass pro,Lowes and home depot.


I did not get approved for home depot after review. Only approval I got was PayPal for $1k.

[Anonymous]

Sorry about the denials op. Congrats on the PayPal 😊

Have you you set up a plan of action to address the charge offs? 

[Anonymous]

well basically the plan is just to let it age off my report. it's going on 5.5 yrs and i really dont have 13k to pay it off. guess i'll probably be limited in what i can get done until then it seems.

[zerofire]

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@Anonymous wrote:
My profile is in the rebuilding stages. 1 collection 5yr old for $1300 and 1 charge off from 5yrs ago for $13500. No lates in over a yr, but I did have 8 30 day prior to that. 4 credit cards showing on report all current never late with 25% uti. 8 inquiries on tu and 4 on the other two.

Yes I am in the garden as of 10:00 am this morning, this was applied for on my irresponsible app spree this morning. I applied for PayPal,bass pro,Lowes and home depot.


I did not get approved for home depot after review. Only approval I got was PayPal for $1k.

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Yea 4 inquiries for Citi is too much. Going on 8 is asking for a denial. Even Synchrony with the Lowe's card said no and they are a subprime expert. Overall you never had a chance really. Your best bet is to garden for 2-3yr and then go on an app spree.