Re: Home Depot CLI - myFICO® Forums - 6732593

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Opened a Home Depot card a year and 9 months ago and today asked for a CLI for the first time.

2k starting limit/ Instantly approved to 15k

DP: Fico 723, EX: 723 TU:732

Overall Util 23%

Acct: 0/6 2/12 3/24

Inquiries: 0/6 2/12 7/24 (3 Inqs fall off in April)

Income: 150k

It was a hard pull but worth it.

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10 REPLIES 10

That's a big increase. Congrats!

$18,000 Chase Sapphire Preferred Visa Signature 01/23

$17,000 Chase Freedom Flex World Elite Mastercard 05/21

$12,000 Chase Prime Rewards Visa Signature 05/23

$17,500 PenFed Power Cash Rewards Visa Signature 01/21

$15,000 PenFed Platinum Rewards Visa Signature 01/21

$6,500 PenFed Gold Visa 06/16

$33,000 NFCU cashRewards Plus Visa Signature 05/25

$31,400 American Express Blue Cash Preferred 04/24

$18,900 Citi Custom Cash World Elite Mastercard 07/22

$10,400 Citi Custom Cash World Elite Mastercard 11/24

$14,000 Wells Fargo Autograph Visa Signature 10/21

$12,000 Wells Fargo Reflect Visa 01/26

$25,000 FNBO Evergreen Rewards Visa Signature 01/22

$12,000 Discover it Cash Back 12/20

$5,850 Capital One Savor World Elite Mastercard 11/15

$4,300 Capital One Cabela's World Mastercard 10/15

$20,000 Synchrony CareCredit Rewards Mastercard 09/25

$10,000 US Bank Cash+ Visa Signature 03/23

$7,000 US Bank Cash+ Visa Signature 12/23

$7,200 TBOM Kay Jewelers 11/17

2014 Corvette Stingray

EQ8 780, TU8 746, EX8 765 as of May 29

AZE13 - 8% Utl - New Cards: 1/6, 3/12, 5/24

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Congratulations on your Home Depot CLI!

Current Cards (in order of approval):

Current FICO 8 | 9 (January 2026):

Credit Age:

Inquiries (6/12/24):

Banks & CUs:

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Congrats on your Home Depot CLI 🥂🤑👍

For that amount of CLI, HP is worth it.

EQUIFAX FICO® Score 8: 800 ⬆️

TransUnion FICO® Score 8: 800 ⬆️

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Congrats!

Rebuild started in 2014 - $100k unsecured credit in 2017 - $500k unsecured credit in 2024.

DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!

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Very nice, congratulations!

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congrats on the cli

AMEX CHARLES SCHWAB PLATINUM NPSL / AMEX GREEN NPSL/ AMEX BLUE BUSINESS PLUS $20000 CL/ FIDELITY REWARDS VISA $23,500 SL

SOCKDRAWER/ NFCU FLAGSHIP $40,000 CL/ NFCU MORE REWARDS $40,000/ WELLS FARGO AUTOGRAPH $8200/APPLE CARD $6500/DISCOVER IT $3000 SL/CITI COSTCO ANYWHERE VISA $6000 SL

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Congrats on your Home Depot CLI

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Congrats on your CLI

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>7/2025 All 3 reports 830 - 845(F8) F9s = all 850 but my app finger is still twitching

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Congrats on the CLI!

Score: EQ(784) EX(788) TU(792)
INQs: EQ(2) EX(6) TU(2)
Last INQ: 08 Jul 25

Total Credit Limit - $2.0M

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