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Home Depot YOLO

Brian_Earl_Spilner
Community Leader
Mega Contributor

Home Depot YOLO

I needed a Hammer Drill. Sync gave me 7-10 day for Lowe's so I said YOLO.  I didn't expect to be approved, but I'm not planning to app for a while so _ _ _ _. The reason I didn't think I would be approved is the other day when I apped for Macy's, I did the Home Depot prequalify first and got nothing. I know they have different underwriting, but they're both CBNA, so why not? Second reason is I got $300 at Macy's, so I figured I was tapped for them. Since I was planning to spend over $1k, I gave it a shot for the 6 mos 0%. Got approved for $500 so I maxed that out. It didn't tell me anything about 0% so I hope it's there. Won't be able to look until I get my card.

 

Stay Gucci, my friends.

 

EX: 645 Bankcard 8

Inquiries: 18

Scorable inquiries: 6

AoOA: 21 yrs, 8 mos

AAoA: 6 yrs, 5 mos (I'm not doing the math for this)

AoYA: 0 mos

Auto Loan: 75% utilization

Lates: 6 over 3.5 years old

Chargeoffs: 1 open for $1400 total

Collections: 3 open for $1500

Utilization w/ chargeoff: 8%

Utilization w/o chargeoff: 0.003% (reporting as 0)

Income: $67,555

DTI: 0.009%




29 REPLIES 29
M_Smart007
Epic Contributor

Re: Home Depot YOLO

Congratulations! ..

 

Message 2 of 30
James_A
Valued Contributor

Re: Home Depot YOLO


@Brian_Earl_Spilner wrote:

... I got $300 at Macy's ... Got approved for $500 ....


You're growing on them. Smiley Wink Congrats! on your approval & thanks for the DPs. Smiley Happy

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (3/12/2021): FICO 08 EXP: 748; TU: 755; EQ: 773
2020 Goal Score: 760 across the board


Take the myFICO Fitness Challenge
Message 3 of 30
Steve891
Senior Contributor

Re: Home Depot YOLO

Congrats on your new Home Depot approval!




Message 4 of 30
AllZero
Super Contributor

Re: Home Depot YOLO

Congratulations on your approval!
Message 5 of 30
gdale6
Moderator

Re: Home Depot YOLO

Grats on the HD card Smiley Happy
Message 6 of 30
dragontears
Valued Contributor

Re: Home Depot YOLO

I can't figure it out, what does YOLO stand for? 

Scores hover around 800
Haven't been AZEO in over a year
Rome was not built in a day, neither is a good credit profile
Message 7 of 30
James_A
Valued Contributor

Re: Home Depot YOLO

From Wiki: "YOLO is the acronym of the phrase "you only live once". Along the same lines as the Latin "carpe diem" ("seize the day"), it is a call to live life to its fullest extent, even embracing behavior which carries inherent risk."

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (3/12/2021): FICO 08 EXP: 748; TU: 755; EQ: 773
2020 Goal Score: 760 across the board


Take the myFICO Fitness Challenge
Message 8 of 30
AllZero
Super Contributor

Re: Home Depot YOLO

You
Only
Live
Once
Message 9 of 30
dragontears
Valued Contributor

Re: Home Depot YOLO

Thanks, never heard that acronym before and all I could think of was a county in California that is named Yolo

Scores hover around 800
Haven't been AZEO in over a year
Rome was not built in a day, neither is a good credit profile
Message 10 of 30
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