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@KatSoDak wrote:@AverageJoesCredit You are right. I was mixed up on the Simplicity request. Only Home Depot allows an amount on the CLI request. I've been receiving 3k from Citi on the Simplicity card the last couple times I asked for a CLI so I requested that on HD also, figuring Citi would be agreeable to that amount
Simplicity was SP but HD was hard. Equifax is rarely pulled so a SP on that CRA didn't hurt. Last hard inquiry was Jan 2020 for previous Home Depot CLI request.
edit: clarification
Just a FYI ..for Citi Co-branded cards >> IE: Home Depot, Shell, Macy's, Bloomingdales and others.
Request high ..like $10K or more, they will counter offer what they will give you .. if your "full" request amount is not granted.
This way, you do not leave money on the table.
@M_Smart007 wrote:
@KatSoDak wrote:@AverageJoesCredit You are right. I was mixed up on the Simplicity request. Only Home Depot allows an amount on the CLI request. I've been receiving 3k from Citi on the Simplicity card the last couple times I asked for a CLI so I requested that on HD also, figuring Citi would be agreeable to that amount
Simplicity was SP but HD was hard. Equifax is rarely pulled so a SP on that CRA didn't hurt. Last hard inquiry was Jan 2020 for previous Home Depot CLI request.
edit: clarification
Just a FYI ..for Citi Co-branded cards >> IE: Home Depot, Shell, Macy's, Bloomingdales and others.
Request high ..like $10K or more, they will counter offer what they will give you .. if your "full" request amount is not granted.
This way, you do not leave money on the table.
^^^ a 1000%
He is ✅ right!
Give it a shout next time! They will counter.
I'm still trying...lol...congrats