Posts: 15
Registered: ‎09-17-2012

Lowe's card approved!!

I did the online app this morning for Lowe's, I was instantly approved for 2k.  I waited a little while then called the credit dept from the sticky thread above and got a CLI for another 2k, total CL of 4k.  I should have asked for more, there was no counter amount at all.  Is it safe to assume that the initial app was a HP and the CLI from here on out are all going to be SP?

Mega Contributor
Posts: 15,434
Registered: ‎04-09-2011

Re: Lowe's card approved!!


it should be a SP but may be a HP. Do you have access to your TU file?

Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Super Contributor
Posts: 6,548
Registered: ‎04-07-2008

Re: Lowe's card approved!!

Congrats !!


I did a recon on my app for this card and it was a SP. Check your TU as LS said.

Posts: 15
Registered: ‎09-17-2012

Re: Lowe's card approved!!

LS2982 wrote:

it should be a SP but may be a HP. Do you have access to your TU file?

No, I have not checked my TU report to see.

Established Contributor
Posts: 985
Registered: ‎09-10-2012

Re: Lowe's card approved!!

Congrats!! When I get out of the garden I am going to apply for a Lowe's card.....I just have too many new accounts/inquiries to do it now  :smileytongue:

TU Fico 714 | Sesame 742 | Credit Karma 762 | Wal-Mart FICO 734 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 13.1k | Citi Diamond Preferred 10.2k | CSP 5k | Bofa Cash 9k | Boa Travel 10k | Discover More 3k | Chase SW 5k | Wal-Mart 3.3k | Amazon 5k | Old Navy Visa 5k | Shell 1200 | BP 400 | VS 1500 | Sam's Discover 8.5k | FNBO Amex 16k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

App free since 12/11/13*
Mega Contributor
Posts: 18,820
Registered: ‎10-23-2007

Re: Lowe's card approved!!

GE CLI should always be soft - even when you go into underwriting (most SEEM to know that yes it is a SP and say it so you don't think, hmmm... they don't know!) for some reason CareCredit (im sure others) but CareCredit is SP but if you ask for to much or just don't currently qualify it will ask if you would like them to do a HP and see about offering a different amount or your original request.

Otherwise all the store cards I have, Walmart, Lowes, Marshalls, Gap, etc. etc. are all SP and asking or calling directly into underwriting is always SP too.

Fico Scores: EQ 639 Navy, TU 665 GE, EX 677 Prosper (07-09-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Buckle $250
Over 30 Cards in between :smileytongue:
Senior Contributor
Posts: 6,154
Registered: ‎08-16-2012

Re: Lowe's card approved!!

I must disagree... The JCP is a HP if you call the backdoor number... Only GE card that is like that.. I dont have Carecredit. However, if you just call the reg JCP CSR num, they SP.
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k| West Elm $4k| Express $3.05K | Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k

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