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Super Contributor
Posts: 6,167
Registered: ‎12-11-2011
0

Re: First Post: Home Depot vs. Lowes

Yeah, if you still need more I would try for the lowe's card. Can't hurt to have both. They're with different lenders. 

 

Plus...GE cards are pretty bangin. 

Established Member
Posts: 48
Registered: ‎12-28-2012
0

Re: First Post: Home Depot vs. Lowes

Yes I am going to pull the trigger for lowes now and I already have walmart haha


jsucool76 wrote:

Yeah, if you still need more I would try for the lowe's card. Can't hurt to have both. They're with different lenders. 

 

Plus...GE cards are pretty bangin. 


 

Valued Member
Posts: 48
Registered: ‎02-07-2012
0

Re: First Post: Home Depot vs. Lowes

Welcome Marty!

 

Just curious, did you get the Lowe's card?

 

After all the new accounts I've opened within the last couple of months I'm in the garden until 12/13!!

I will have to share your excitement... LOL

Rebuilding Mode!
Valued Contributor
Posts: 2,982
Registered: ‎02-09-2012
0

Re: First Post: Home Depot vs. Lowes

grats!
5/2012: 560 credit scores across the board and $500 secured CC
12/2014: 750+ scores across the board and $80k in revolving credit

Get those baddies removed!!!
Regular Contributor
Posts: 232
Registered: ‎08-30-2011
0

Re: First Post: Home Depot vs. Lowes

I was denied by Lowe's with a 650 tu twice, so I applied for Home Depot and was approved for a 500 cl and a 645 ish Eq. After about two months of moderate useage I asked for an increase to 2500 and they gave me more than requested to a cl of 2750. Then in November I applied for Lowe's again (they're close to my home than HD) and they approved me for a cl of 300. I quickly called and asked them to match my HD card and they did without issue. They're great cards to have since HD always has 0% finance offers and Lowe's has 5% off daily purchases and seldom 0% finance offers but HD usually offers longer terms with their offers. I say they're both great cards to have and they both grow fairy quickly but keep in mind that HD customer initiated increases are HP on EQ and they're Citibank back and Lowe's are SP and you can request increases every four months with them since its a GECRB backed card.
Established Member
Posts: 48
Registered: ‎12-28-2012
0

Re: First Post: Home Depot vs. Lowes

Thank you , yes i applied online and recieved a 1,000 limit which im a acutally mad. i acutally thought I would have recieved better credit line than home depot. I really need about 7,000 ro 10,000.00 haha I guess ill let it age


2ndTimeAround2012 wrote:

Welcome Marty!

 

Just curious, did you get the Lowe's card?

 

After all the new accounts I've opened within the last couple of months I'm in the garden until 12/13!!

I will have to share your excitement... LOL


 

Valued Contributor
Posts: 1,419
Registered: ‎01-14-2009
0

Re: First Post: Home Depot vs. Lowes


2ndTimeAround2012 wrote:

Welcome Marty!

 

Just curious, did you get the Lowe's card?

 

After all the new accounts I've opened within the last couple of months I'm in the garden until 12/13!!

I will have to share your excitement... LOL



MRomano442 wrote:

Thank you , yes i applied online and recieved a 1,000 limit which im a acutally mad. i acutally thought I would have recieved better credit line than home depot. I really need about 7,000 ro 10,000.00 haha I guess ill let it age


You can call the backdoor # for a GECRB underwriter to reconsider you for a higher credit limit.

Established Member
Posts: 48
Registered: ‎12-28-2012
0

Re: First Post: Home Depot vs. Lowes

Thank You I acutally saw this I want to tommorow. Do you think 12,000 is greddy to ask???


kevinjjc wrote:

2ndTimeAround2012 wrote:

Welcome Marty!

 

Just curious, did you get the Lowe's card?

 

After all the new accounts I've opened within the last couple of months I'm in the garden until 12/13!!

I will have to share your excitement... LOL



MRomano442 wrote:

Thank you , yes i applied online and recieved a 1,000 limit which im a acutally mad. i acutally thought I would have recieved better credit line than home depot. I really need about 7,000 ro 10,000.00 haha I guess ill let it age


You can call the backdoor # for a GECRB underwriter to reconsider you for a higher credit limit.


 

Valued Contributor
Posts: 2,299
Registered: ‎07-23-2012
0

Re: First Post: Home Depot vs. Lowes


MRomano442 wrote:

Thank You I acutally saw this I want to tommorow. Do you think 12,000 is greddy to ask???


kevinjjc wrote:

2ndTimeAround2012 wrote:

Welcome Marty!

 

Just curious, did you get the Lowe's card?

 

After all the new accounts I've opened within the last couple of months I'm in the garden until 12/13!!

I will have to share your excitement... LOL



MRomano442 wrote:

Thank you , yes i applied online and recieved a 1,000 limit which im a acutally mad. i acutally thought I would have recieved better credit line than home depot. I really need about 7,000 ro 10,000.00 haha I guess ill let it age


You can call the backdoor # for a GECRB underwriter to reconsider you for a higher credit limit.


 


honestly yes! but i mean its a soft pull so it really doesnt matter. they can counter it. (on the ge card)

for my walmart i trippled the first time and then doubled on my second cli. so its possible. 

 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Valued Contributor
Posts: 1,507
Registered: ‎07-24-2011
0

Re: First Post: Home Depot vs. Lowes


MRomano442 wrote:

Thank You I acutally saw this I want to tommorow. Do you think 12,000 is greddy to ask???

 

I always ask for more and let them counter me for less.  After all, they are only going to give you the max that they can give you.  If you ask for and are qualified for the max then more than likely they will give it to you, but if you ask for under the max then they might give you that too Smiley Very Happy.


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
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