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Any luck with Home Depot CLI without HP

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totallymytravis
New Contributor

Any luck with Home Depot CLI without HP

Has anyone had any luck with a Home Depot CLI without a hard pull?

I requested a CLI back in January after we bought a house went from $5k to $20k. It was a HP. Used the card for 12 mod 0% for AC install, windows, and other items for the remodel. Card is at $18,900 (the entire balance is at 0%). I pay way more than the minimum, but I hate that it is pretty much maxed out it's killing my UTL but also don't want to pay it down as it's at 0% AND I don't want a HP. Has anyone had luck with the online request not resulting in a hard pull recently?

 

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3 REPLIES 3
FireMedic1
Community Leader
Mega Contributor

Re: Any luck with Home Depot CLI without HP

In a nutshell. Finances before FICO. You got 0%. Isnt costing you anything. You dont see 20k HD cards around here much as it is. Just pay it down and get more goodies for the new home. Congrats!



BK Free Aug25
Message 2 of 4
805orbust
Valued Contributor

Re: Any luck with Home Depot CLI without HP

Plus I can't remember ever hearing of Citi giving a soft-pull CLI. All of mine have been hard pulls.  My $0.02 of course. 



Message 3 of 4
K-in-Boston
Epic Contributor

Re: Any luck with Home Depot CLI without HP

There have been sporadic reports of surprise SP CLIs on CBNA retail cards such as Home Depot and Best Buy, but they are not common.  I ended up with my Lowe's card after I took about 7 or 8 pulls and could never seem to get my HD card raised up to a usable limit after about 6 years of constant use (yet no issues with Citi core cards at the same time).  $20k is definitely on the higher end of what I've seen!

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