What are the chances for Home Depot/ Lowe's with thin file?

[orestrus]

Score around 700, 6 months credit history. 2% util, no derogs

[Anonymous]

Check the Home Depot preapproval to see if you can get that card

[Anonymous]

Lowe's good/great chance.

Home Depot is Citi so you never really know..try preapproval.

[orestrus]

Thank you! How about Target / Macy's?

[pipeguy]

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@orestrus wrote:
Score around 700, 6 months credit history. 2% util, no derogs

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I'd say you have a pretty good chance with Lowes - you might get a smaller starting credit line, but if you call right away chances are they'll increase it. With Citi-Home Depot, I'd give you a 50/50 and not because of your score which is good enough, but because of your short credit history. With HD if you don't get a pre-qualified OK from their website, try calling and saying I just got Lowes card but I realkly perfer HD....bla bla. 

Might work - I know they kinda watch each other as your CL's increase. I had a $12k Lowes and HD took me from $600 to $6700 and then when Lowes incfeased to $17k, HD went to $10k with no effort.