Home Depot Card (Hard to Get ? ) - Credit Repair Forum from Creditnet
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  1. #1
    JustMe is offline Senior Member
    Join Date
    May 2001
    Posts
    110
    How hard is it to get the card? I am thinking of geting a new frig at 0% for 6 months..


    Thanks

  2.  
  3. #2
    dlo64 is offline Senior Member
    Join Date
    May 2001
    Posts
    507

    Re: Home Depot Card (Hard to Get ? )

    Forget about it if you have had a BK.

    I had a Home Depot card with out a balance on it when I filed BK. I didn't file them because I did not owe them any money and they closed the account and reported I filed BK against them.

    Besides Lowe's has a better selection of merchandise.

  4. #3
    MartysGirl is offline Senior Member
    Join Date
    Apr 2001
    Posts
    969

    Re: Home Depot Card (Hard to Get ? )

    Put it this way... My mother is a silent partner for two construction firms and she owns her own construction company! Home Depot ...should consider her a God on their premises and they DENIED her!

    Last time she checked her credit and score it was a 809... she has one neg and 58 positives. That is give or take between the three of them.

    I have no idea what they go on when giving credit.!! I have never seen anyone get a Home Depot Card!!!!

    P.S. They pull Equifax for FL and SC
    MartysGirl

    MINE
    TU 698
    EQF 722
    EXP 691

    My Husband
    TU 679
    EQF 636
    EXP 701

  5. #4
    JustMe is offline Senior Member
    Join Date
    May 2001
    Posts
    110

    Re: Home Depot Card (Hard to Get ? )

    No BK here, but lots of inquiries in last six months.
    A couple of new accounts under six months.

    Do you think I have a chance?

  6. #5
    jzilla is offline Senior Member
    Join Date
    Mar 2001
    Posts
    137

    Re: Home Depot Card (Hard to Get ? )

    I just got one last week. It's with Monogram Bank in Georgia. Granted, it's only a $300 limit, but they give regular increases. My FICO is 642 by the way and they pulled Equifax in Missouri. I was surprised cause Monogram does Lowes? or is it Nordstrom? and I was declined a few months back for both of those cards.
    Jill

  7. #6
    PsychDoc is offline Senior Member
    Join Date
    Jun 2001
    Posts
    3,108

    Re: Home Depot Card (Hard to Get ?

    My wife has a 698 FICO and she got a Home Depot card. I wonder why others with apparently better credit were denied??

    Randy

  8. #7
    JustMe is offline Senior Member
    Join Date
    May 2001
    Posts
    110

    Re: Home Depot Card (Hard to Get ?

    Thanks for all you input,

    Any more storys out there?

  9. #8
    mj
    mj is offline Senior Member
    Join Date
    Aug 2000
    Posts
    857

    Re: Home Depot Card (Hard to Get ?

    Home Depot doesn't offer credit - GE does (Monogram).

    Same for Loews- it's issued by Monogram.

    And no, you can't use your Home Depot card in a Loews.

    I was sent a pre-approved 5 years post-BK. Limit was 1,250 when they sent it in 1999 - now it's 12,000.

    The terms for the "regular" charges SUCK (21.something) but the "Major Purchase" at 15% isn't too horrible.

    I like their 0% offers.

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