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Lowes is good with the CLIs if you use the card every once in a while. I got mine with a $400 limit in October 2009. It now sits at $5550. I make a minor purchase every couple of months for things I need anyway (furnace filters, bulbs...) and hit the LUV button after every 4th statement.
For those who asked, I applied in-store. I have no idea what kind of insight they have, but the woman at customer service basically said to call and I could likely get the limit increased if I needed. The $450 was plenty for what I needed-a good self-propelled push mower.
After reading what folks have said here, I plan to just keep making small purchases and hitting the cli increase button every 4 months as I have been successfully rebuilding for about a year now.
Well today I could not resist, I had to app for lowes since their advertising today is not 6 months but 18 months of interest free financing, i went in store purchased some appliances totaling around $2,400.00 then went to customer service to app for the card I was approved $4,800.00 cl only pull was from eq report, my scores are really going to tank for a while, but I will enjoy the 18months financing. I say always app in store.