Home Depot Card (Hard to Get ? )

Discussion in 'Credit Talk' started by JustMe, Jun 28, 2001.

  1. JustMe

    JustMe Well-Known Member

    How hard is it to get the card? I am thinking of geting a new frig at 0% for 6 months..

  2. dlo64

    dlo64 Well-Known Member

    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.
  3. MartysGirl

    MartysGirl Well-Known Member

    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
  4. JustMe

    JustMe Well-Known Member

    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?
  5. jzilla

    jzilla Well-Known Member

    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.
  6. PsychDoc

    PsychDoc Well-Known Member

    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??

  7. JustMe

    JustMe Well-Known Member

    Re: Home Depot Card (Hard to Get ?

    Thanks for all you input,

    Any more storys out there?
  8. mj

    mj Well-Known Member

    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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