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Home depot

Discussion in 'Credit Talk' started by tracyb0313, Sep 22, 2002.

  1. Sep 22, 2002 #1
    tracyb0313

    tracyb0313 Well-Known Member

    I would like to apply for a home depot card, but cannot take another hit on TU. I'm trying to search millcbs.com, but it's down right now. I've read all the old posts, and from what I gather, they've pulled any of the 3 at some point. Does anyone have one in the N. England area? I read about them being affiliated w/ Citi soon? If that has happened, citi hit me w/ 2 TU inquiries already this month. I have 12 TU hards, and almost none on the other 2. Seems TU must be big in Maine!
     
  3. Sep 22, 2002 #2
    tracyb0313

    tracyb0313 Well-Known Member

    BTW, if they are the same co. that has the JC Penney card, Penneys pulls EQ here!
     
  4. Sep 22, 2002 #3
    martig4

    martig4 Well-Known Member

    I am in New Jersey. HD (Monogram Credit Card Bank) pulled Experian.
     
  5. Sep 22, 2002 #4
    kldg

    kldg Active Member

    They pulled EQ here in PA.
     
  6. Sep 23, 2002 #5
    degree

    degree Member

    I am in CT, and they pulled Experian.
     
  7. Sep 23, 2002 #6
    kbanger

    kbanger Well-Known Member

    Did you get the card? If so what were your scores and did you have any derogs.

    Thanks
     
  8. Sep 23, 2002 #7
    martig4

    martig4 Well-Known Member

    I got the card. I had a 700 FAKO score, no derogs.
     
  9. Sep 23, 2002 #8
    mysti_summ

    mysti_summ Well-Known Member

    Just so ya'll are aware....I am doing a home project and spending a lot of money at Home Depot. They then invited me to fill out one of their credit apps. As I was starting to fill it out, the lady mentioned 21.9% APR standard rate for everyone with their card. I dropped the pen and said NO THANKS! then put it on my new Citi Bank card :)


    mysti_summer
     
  10. Sep 23, 2002 #9
    GEORGE

    GEORGE Well-Known Member

    THEY DIDN'T OFFER YOU 10% OFF YOUR PURCHASE AND 0.00% FOR 6 MONTHS???
     
  11. Sep 23, 2002 #10
    mysti_summ

    mysti_summ Well-Known Member

    George,

    Yes they did....but after the 6 months they go to 21.9 and if for some reason I can't pay the total balance in 6 months, I didn't want to be "stuck" with that. I'm also thinking that after the 6 months, if I keep charging on the card, it will be the 21.9, right?


    mysti_summer
     
  12. Sep 23, 2002 #11
    GEORGE

    GEORGE Well-Known Member

    If you can't PAY IN FULL in 6 months or BT IT AWAY...and the 10% OFF doesn't help enough...then I guess you are better off...
     
  13. Sep 23, 2002 #12
    degree

    degree Member

    Yeah, I got the card. I had a 645 fico, no derogs.
     

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