home depot credit card question

[lookingforadvice86]

i am needing some advice. i have a home depot credit card that i got to get a grill 7 months ago. i got the card for 12 months no interest, and that was the only reason i got the card. i paid the grill off in about 3 months and now have this credit card that i have no intention of using. will this hurt my credit score if i have the card active and probably will only use it on rare occassions? just wanted to get some advice on this. thanks

[myjourney]

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@lookingforadvice86 wrote:

i am needing some advice. i have a home depot credit card that i got to get a grill 7 months ago. i got the card for 12 months no interest, and that was the only reason i got the card. i paid the grill off in about 3 months and now have this credit card that i have no intention of using. will this hurt my credit score if i have the card active and probably will only use it on rare occassions? just wanted to get some advice on this. thanks

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It wont hurt your score by leaving it open in fact it helps by showing as an open account and aging not to mention you never know when you'll need it again

[chnceit]

CITI's HD store card tend to be very generous with CLI's so I would venture to request a CLI if you havent gotten one at 6 months and it would help your overall UTI. Plus if it doesnt have an AF so SD it!

[youngandcreditwrthy]

+1.

Keep it!

Buy a bottle of water every six months

Get a $10k+ limit.

Watch your FICO soar with this lovely tradeline.

I rarely use my $12k Lowe's card, but it's a three year old tradeline, which undoubtedly helps my score!!!:-)
Good luck!

[CruzImperial]

Keep it and love the cl later on.

[LesWH]

HD is awesome when it comes to CLIs!! They auto increased me to $11,000!!  That's a big help for utilization!  Keep it!  There is no down side to having it!!