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.
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
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?
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.
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
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.