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QUESTION ABOUT LOWES CREDIT CARD

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Anonymous
Not applicable

QUESTION ABOUT LOWES CREDIT CARD

Hey All,

 

So, I've been a Lowe's store card holder for over a year now.

 

I was instantly approved and call Credit Solutions (thanks to the advice here and got

my CL bumped to 17K. I've had a year of solid payments.

 

I'm going to be doing some substantial renovations and I'm wondering if I app'd for

another card in a business name, if it would show up on my personal CR?

 

Please let me know.

 

Cheers,

 

H.

Message 1 of 12
11 REPLIES 11
Anonymous
Not applicable

Re: QUESTION ABOUT LOWES CREDIT CARD


@Anonymous wrote:

Hey All,

 

So, I've been a Lowe's store card holder for over a year now.

 

I was instantly approved and call Credit Solutions (thanks to the advice here and got

my CL bumped to 17K. I've had a year of solid payments.

 

I'm going to be doing some substantial renovations and I'm wondering if I app'd for

another card in a business name, if it would show up on my personal CR?

 

Please let me know.

 

Cheers,

 

H.


I assume you mean if you were to add a Lowe's business credit card would it show on your personal reports.  The answer is no it would not unless you defaulted.

Message 2 of 12
Anonymous
Not applicable

Re: QUESTION ABOUT LOWES CREDIT CARD

Hi Irish.

 

That is exaclty what I meant. Sorry if my message wasn't clear.

 

And thank you for your response.

 

Cheers, H.

Message 3 of 12
Anonymous
Not applicable

Re: QUESTION ABOUT LOWES CREDIT CARD

By the way..

 

Do you know if it is still a SP on TU?

Message 4 of 12
Anonymous
Not applicable

Re: QUESTION ABOUT LOWES CREDIT CARD


@Anonymous wrote:

By the way..

 

Do you know if it is still a SP on TU?


If you apply for a new business card, it will be a HP

Message 5 of 12
Bowzer
Frequent Contributor

Re: QUESTION ABOUT LOWES CREDIT CARD


@Anonymous wrote:

@Anonymous wrote:

By the way..

 

Do you know if it is still a SP on TU?


If you apply for a new business card, it will be a HP


Irish, do you know if synchrony includes your business accounts limits with your personal limits when it comes to the 100k exposure? Sorry horticulturalist, dont mean to hijack your trend here.
Message 6 of 12
Anonymous
Not applicable

Re: QUESTION ABOUT LOWES CREDIT CARD


@Bowzer wrote:

@Anonymous wrote:

@Anonymous wrote:

By the way..

 

Do you know if it is still a SP on TU?


If you apply for a new business card, it will be a HP


Irish, do you know if synchrony includes your business accounts limits with your personal limits when it comes to the 100k exposure? Sorry horticulturalist, dont mean to hijack your trend here.

I don't know for a fact but given that most creditors include both personal and business accounts in determining overall exposure, I assume that they do.

Message 7 of 12
myjourney
Super Contributor

Re: QUESTION ABOUT LOWES CREDIT CARD

Also to add there are 2 versions of Lowe's business cards managed by 2 different banks 

Amex and Sync 

Amex = Rewards 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 8 of 12
Creditaddict
Legendary Contributor

Re: QUESTION ABOUT LOWES CREDIT CARD

Keep in mind a major purchase on the personal card you could opt for 18 months interest-free or 84 months at 5.9%.

The business card offers no zero interest!!

but does give 5% back!

Message 9 of 12
myjourney
Super Contributor

Re: QUESTION ABOUT LOWES CREDIT CARD


@Creditaddict wrote:

Keep in mind a major purchase on the personal card you could opt for 18 months interest-free or 84 months at 5.9%.

The business card offers no zero interest!!

but does give 5% back!


Amex also includes

Baggage ins 

Extended warranty 

3% dining 

Purchase protection

Amex offers

Roadside Assist

Car rental ins

Travel accident ins

and a heck of a lower APR 

Smiley Tongue

So assess all options when choosing a business card 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 10 of 12
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