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Home Depot now Citi

Discussion in 'Credit Talk' started by 30ftshadow, Aug 13, 2003.

  1. Aug 13, 2003 #1
    30ftshadow

    30ftshadow Well-Known Member

    FYI

    I just checked my PG report and my Home Depot card is listed as a Citibank card. A check of the HD site shows that the credit card account is now operated by Citibank.

    30ft
     
  3. Aug 13, 2003 #2
    lmckenzie

    lmckenzie Well-Known Member

    Now maybe i can be approved
     
  4. Aug 14, 2003 #3
    Hedwig

    Hedwig Well-Known Member

    My thinking exactly! Citi seems to like me, so maybe I'll try for the Home Depot card now.
     
  5. Aug 14, 2003 #4
    GEORGE

    GEORGE Well-Known Member

    THAT IS GROSS H/H INCOME...NOT GROSS INDIVIDUAL INCOME!!!

    DON'T PUT GROSS INDIVIDUAL INCOME...THAT IS LYING!!!!
     
  6. Aug 14, 2003 #5
    GEORGE

    GEORGE Well-Known Member

  7. Aug 15, 2003 #6
    tmitchell

    tmitchell Well-Known Member

    Bummer...Got the old "further processing is required" line. Oh well - a wasted inquiry.
     
  8. Aug 15, 2003 #7
    RichGuy

    RichGuy Well-Known Member

    It asks for Gross Household Income.

    Gross Household Income is always greater than or equal to Gross Individual Income.

    If you put your Gross Individual Income in the Gross Household Income space, which is the only available space anyway, you are NOT lying.
     
  9. Aug 15, 2003 #8
    GEORGE

    GEORGE Well-Known Member

    WHY WOULD ANYBODY IN THEIR RIGHT MIND...WANT TO PUT TOTAL INDIVIDUAL GROSS INCOME "IF" THEY COULD PUT TOTAL HOUSEHOLD GROSS INCOME??? ASSUMING H/H INCOME IS SUBSTANTIALLY HIGHER...

    Even if it is only $20,000 higher...WHY NOT USE IT???

    HOW COULD YOU EVER BENEFIT FROM THE LOWER AMOUNT???

    I DON'T GET IT...BUT THEN I'M JUST STUPID
     
  10. Aug 15, 2003 #9
    RichGuy

    RichGuy Well-Known Member

    I don't think anyone would want to do it.

    You, GEORGE, told people not to do it because it was lying. Now that you've told them there's no benefit to doing so, they have additional reason not to do it.

    Lying could become an issue in the converse case, where they specifically ask for individual income but you give them your household income. That's impossible on the Home Depot application, so lying in that way is not an issue in the Home Depot case.
     
  11. Aug 17, 2003 #10
    GEORGE

    GEORGE Well-Known Member

    Re: Re: Home Depot now Citi

    There is NO benefit in putting the LOWER individual income on an application...that asks for TOTAL GROSS H/H INCOME!!! THAT IS MY POINT

    It really is NOT lying per-say...BUT HOW CAN IT BE LOGICAL TO PUT THE LOWER AMOUNT??? GET IT, GOT IT, GOOD
     
  12. Aug 17, 2003 #11
    RichGuy

    RichGuy Well-Known Member

    Well, if it's illogical to do it, then wasn't your dire warning not to do it totally unnecessary?

    It may be fun to condemn lying, or something you originally claimed was lying, but it wasn't necessary to do so.

    I don't think you remember your original post.
     
  13. Aug 17, 2003 #12
    GEORGE

    GEORGE Well-Known Member

    Re: Re: Home Depot now Citi

    THAT IS GROSS H/H INCOME...NOT GROSS INDIVIDUAL INCOME!!!

    DON'T PUT GROSS INDIVIDUAL INCOME...THAT IS LYING!!!!

    ------------------------------------------------------------------------------------------------

    THE POINT WAS...DON'T USE TOTAL GROSS INDIVIDUAL INCOME...WHEN YOU CAN USE TOTAL GROSS HOUSEHOLD INCOME!!!

    You must be reading something that is NOT there...(READING BETWEEN THE LINES)

    I GIVE UP...

    THE END...
     

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