Anyone approved with Home Depot lately?

[Anonymous]

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elaine829 wrote:
Anyone know how often they give credit increases? And is it always a hard inquiry?

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I hit the LUV button on my HD Store Card yesterday (9/30).  I got the 7-10 day message.  I pulled my credit scores from MyFico this morning (10/1) and EQ was updated with an inquiry (yes already!!!!  I requested the CLI less than 24 hours ago.  However, no change to my score though)

Message Edited by BP2003 on 10-01-2009 07:25 AM

[Anonymous]

I wanted to let everyone know, I just received a home depot card last Saturday in the mail. I went to the store and was instantly approved for $1000. My Equifax Fico is 647 and I have no debt except for a mortgage and a truck payment. Was so excited first credit card in five years.

[haulingthescoreup]

Welcome to the forums, and congrats!

Having an open, reporting CC will do wonders for your scores. It appears that for most people, their scores are helped as that add cards until they have three, and then you start to see initial score drops.

[favre_2_free]

I just got my new card in the mail.  I applied 2 weeks ago online, was approved for $1250 (max amount online) and called to get it raised to $2500.  I didn't want to get greedy.

[Anonymous]

favre 2 free congrats. looks like we are in the same boat. did you use a backdoor number? if so what number did you use? thanks.  haulingthescoreup do you think it's to early to ask for an increase?

[favre_2_free]

On my approval there was a number that said if you need to spend over you current limit, to call.....866-272-0337

[Anonymous]

ok I wanted to update.. The new card it equifax today and my score increased to 670 woohoo!! that's 23 points. I still don't have another card though, I applied to citibank was turned down for this:

 o   A delinquent credit obligation(s), either paid
 or unpaid, was recorded on your credit bureau report.

Well I paid that cc two years ago and the dola was 4/2004. Well I didn't find this site untill recently, will GW help or not?

I applied at local cu was approved for $1000 then they changed their minds said I didn't have enough credit card history oh well you think I have a better shot since my score went up and shows a store card now, or should I apply for orchard even though my co was with hsbc?

thanks my fico friends

[Anonymous]

I have a quick question.  I got my HD card in late October, applied online and received the ususal $1250 limit. I would like a larger limit, but I'm afraid if I call after this length of time that they will pull a hard. What do you guys think? The LUV button takes me to the form, so I don't think I want to go that route.