Credit Cards

[haulingthescoreup]

---

Boscoe wrote:

Hauling - I actually have had a good experience with GEMB/Lowe's......

CL of $15k and no problems with anything. Bought a couple of appliances there as well as recarpeted a bedroom all through them.

No problems at all. I suppose I could go for a CLI, but $15k is pretty good when I never use more than a couple grand......

---

It seems to be so variable about the different levels of service, mainly according to where you live.

I guess a lot of it comes down to their regional offices, and how much emphasis they put upon service within their group. And $15k is great!!!

I can always root for Jimmie Johnson over Tony Stewart!

[imducky]

sorry to here that. i have 500 hd over a year now, got declined by lowe's last spring. today got a pre-approval from lowe's min 300 up to 1k, not if i can help it gemb (french for stingy!).

[haulingthescoreup]

--You guys will never know how close I came just now... I have the Lowe's cc app up on one window, and WhoGaveMeCredit on another. I just kept looking on WGMC at those small starting limits in almost every case. I wouldn't mind a small starting limit if I thought they would grow, but GEMB doesn't have a good track record in this department.

I haven't even used the HD card yet! No point in having both at this point, I guess. We'll see what happens when DD#1 comes back from New Orleans Katrina work to be my general contractor. And that's backed up to June now.

Whew, dodged a bullet there...

[fishbjc]

I prefer Lowes and do have their card for myself!!!  They've been really good to me, but aren't great about cli's!!!!

[haulingthescoreup]

---

fishbjc wrote:

I prefer Lowes and do have their card for myself!!! They've been really good to me, but aren't great about cli's!!!!

---

Sounds like the smart thing to do with Lowe's, if you want a good CL, is to hold off until your report and scores are nice and shiny. Since my reports currently look like New York City trashcans after being handled by bad-tempered sanitation workers, I'm holding off for 6 months or more.

[BoysMumx2]

---

haulingthescoreup wrote:

---

fishbjc wrote:

I prefer Lowes and do have their card for myself!!! They've been really good to me, but aren't great about cli's!!!!

---

Sounds like the smart thing to do with Lowe's, if you want a good CL, is to hold off until your report and scores are nice and shiny. Since my reports currently look like New York City trashcans after being handled by bad-tempered sanitation workers, I'm holding off for 6 months or more.

---

That's about the best description of a credit report that I've seen on here! lol!!

Does anyone know what it takes to get a CLI with GEMB/Lowe's? I hope I won't be perpetually stuck at low CL.

[Boscoe]

Yes, since I am only 8 months out of bk, no way I get $15k CL now....I got that back in '04 when my scores were 760-775.   Maybe in 2017 when the bk falls off!