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Home Depot $3K SL - Rebuild done!

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CreditRebuilder2020
Frequent Contributor

Home Depot $3K SL - Rebuild done!

Cancer Cards are now gone out of my profile. I am finally closing my Credit Ones/Blaze MC/Avant. In the past month I've been able to lock down a BOA Cash Rewards ($1K), BOA BankAmericard ($2K),  PayPal MC ($2k), and now a Home Depot CC ($3K). I do a good amount of shopping at Home Depot and am always tinkering on a project here or there, this $3K SL will be perfect form my purchases and will be paying it off immeidately so the interest rate doesn't matter.

 

Pulled my Equifax which is now a 671 - 1% UTIL - 1 Baddie - on-time payments perfect for 3 years now and a credit profile that's only been growing.

 

Was in the gutter after a few bad years on student loans, car loan, Repo, and just being a dummy. That all ended in 2014 and I got an OpenSky in 2016 and have slowly been building back up ever since. I consider the rebuild now finish or at least darn close. I can finally close all my bad cards and work on growing this fleet I've built up! Garden time and growing time! 

 

 

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X1 VISA SIG $15,500/ AMEX Gold / Petal 1 $3600 / Wells Fargo Active Cash VISA $3K / VENMO Visa $900 / Verizon Visa $2K / Apple Card $1500 SL / Wyndham Rewards Earner Visa $500 / WALGREENS Store $1K / Amazon Store $5000 SL/ Discover IT Chrome $2500K / BP Prime Rewards VISA $4350 / PayPal MC $3500 / BOA BankAmericard $2K / BOA Cash Rewards $1K / Cap One Savor One $1200 / Cap One QS1 $950 / Blaze MC $2250 / Credit One $850 / Credit One AMEX $1200 / OpenSky $600 / AvantCard $1000 / Discover IT Cash Back (Graduated) $400 / eBay MC $750
FEB '22 EX: 698 EQ: 700 TU: 713 | UTL: 23% | Total Credit Limit: $54000
Goal Score: 675 for all FICOS (ACHIEVED NOVEMBER 2021) | NEW GOAL SCORE: 725 for ALL FICOs
Message 1 of 5
4 REPLIES 4
CreditRebuilder2020
Frequent Contributor

Re: Home Depot $3K SL - Rebuild done!

Forgot to add my question Smiley Very Happy

This was a mail offer I got, I noticed CitiBank runs the store card for Home Depot.....Will having a good spend and on-time payment/Pay in Full help me down the road with Citi? 

 

A double cash card (eventually) is something I want in the mix. Not going near it for a long time because I've done too much apps/opening in the past month haha. 

 

But does a card like this help with Citi? 

 

 


X1 VISA SIG $15,500/ AMEX Gold / Petal 1 $3600 / Wells Fargo Active Cash VISA $3K / VENMO Visa $900 / Verizon Visa $2K / Apple Card $1500 SL / Wyndham Rewards Earner Visa $500 / WALGREENS Store $1K / Amazon Store $5000 SL/ Discover IT Chrome $2500K / BP Prime Rewards VISA $4350 / PayPal MC $3500 / BOA BankAmericard $2K / BOA Cash Rewards $1K / Cap One Savor One $1200 / Cap One QS1 $950 / Blaze MC $2250 / Credit One $850 / Credit One AMEX $1200 / OpenSky $600 / AvantCard $1000 / Discover IT Cash Back (Graduated) $400 / eBay MC $750
FEB '22 EX: 698 EQ: 700 TU: 713 | UTL: 23% | Total Credit Limit: $54000
Goal Score: 675 for all FICOS (ACHIEVED NOVEMBER 2021) | NEW GOAL SCORE: 725 for ALL FICOs
Message 2 of 5
gdale6
Moderator Emeritus

Re: Home Depot $3K SL - Rebuild done!


@CreditRebuilder2020 wrote:

Forgot to add my question Smiley Very Happy

This was a mail offer I got, I noticed CitiBank runs the store card for Home Depot.....Will having a good spend and on-time payment/Pay in Full help me down the road with Citi? 

 

A double cash card (eventually) is something I want in the mix. Not going near it for a long time because I've done too much apps/opening in the past month haha. 

 

But does a card like this help with Citi? 

 

 


Everyone is different, never helped me as CitiFinancial issues this card, I IIB them for 5K in 1996 and they bought a bank who I IIB for 18K they still hold these over my head over at CitiBank but I can get any card CitiFinancial has. Grats on getting the HD card Smiley Happy

Message 3 of 5
M_Smart007
Legendary Contributor

Re: Home Depot $3K SL - Rebuild done!

Congrats on you're Home Depot $3KSmiley Happy

Message 4 of 5
AverageJoesCredit
Legendary Contributor

Re: Home Depot $3K SL - Rebuild done!

GratsSmiley Happy Enjoy your new credit lifeSmiley Happy
Message 5 of 5
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