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Quick question: What do you do when your Lending Tree mortgage broker lies to you about your refinance? Thanks for any comment. 2nd question I got is.. Someone asked about Home Depot in another thread which reminded me to call in to ask about a limit increase.. |
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That's a good question. I'm not sure what is the answer. I'll do some poking around and get back to you if I discover an anything. You should email the people at Lending Tree as they probably could give you help..
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Has anyone gotten a better "go to" interest rate for the HD card?.
It is hard to justify carrying a balance on it when the rate is so high... |
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Hubby and I each have own hd cards. HD will not give him cl increase. His eq is perfect, we pay it off every other month...utilization ranges between 20 and 50 %. Still, no go. Not sure why. His limit is stuck at 500!.
I would be dangerous with a 12k cl at hd... |
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I just called Home Depot Customer Service to increase my Home Depot Card credit limit. I told him I need extra $2500 credit to repair my house. He put me on hold for a couple of mintues.He said "Good News!!!! Your account has been increased to $11.300 effective immediately." They increased my Home Depot Card from $8800 to $11,300. By the way, they lowered my purchase rate to 9.9% fixed three yrs ago..
Ron... |
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I never thought of asking for a lower APR on this card. I figured most retail cards are stuck where they are. I'll have to do that tomorrow...
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Whenever I call they tell me they will pull a hard inquiry. I tried it a month ago and they turned me down flat. Granted, I have only had the card since mid oct but I use it alot and pay the dang thing off. I think I have a $33 balance left now but I am stuck at $300 which barely qualifies me for their 0% offers...
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The best way for the $300 no interest 6 month deal is to buy $300 of HD gift cards. I am finishing our basement and have had a lot of $50-100 purchases. This way I get the no interest but can still make the smaller purchses as needed...
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An interesting followup to this:.
I pulled Equifax today and noticed that on Monday when I called and asked for a Lowes increase, Monogram pulled an "AR" inquiry on Equifax on-the-spot. My EQ score is 698 and they declined the increase.. When I asked for the Home Depot increase yesterday, Monogram pulled ANOTHER AR inquiry on Equifax. This time same report mind you I was approved for a $3,000 increase.. Weird. Usage and payment really do make all the difference... |
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DaveLV,.
They pulled AR=Soft Inquiry on your credit report and it doesn't show up on creditor's credit report and doesn't affect your score.. By the way, about 9.9% fixed rate for purchases for Home Depot Card. I didn't asked me for it and they sent me the notice that I got that rate because I'm one of preferred customers. .. Ron... |
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It's nice to see such a huge CL increase. Yet this is the one credit card where I would not in anyway be tempted to spend more. I always equate HD with hard work. The higher credit line they'd give the more things to buy and the more work installing the items. Now a SAks or Neimans increase, that I'd enjoy because it's all beaitufiul stuff which is fun to own...
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