I received the dreaded "you application needs more processing" message when I applied for the Home Depot card yesterday. So, I called today and was told I was declined. So I mentioned some potential errors on my account. I was still shocked because the rep. told me they pulled Experian because that is my best report. Anyway, I mentioned that when applying for other cards I was able to speak to a supervisor about my report. He transferred me to another rep, which transferred me to another representative. She told me that my application will now go through the manual process for verification. I was still concerned because my mortgage was not on my Experian account. She told me to call back later. So I just called back and was told I was approved. Well, it's just has a $300 limit which doesnt compare to some of the big approvals posted her previously but I guess it's better than a denial. Home Depot is a perfect Retail Card for me since I am there all the time working on my yard and house. I guess the wood floor will have to wait for a couple increases. Now I need one more Credit card to get the 3 card Fico ratio. Mike G.