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Frequent Contributor
eparker
Posts: 268
Registered: ‎03-10-2009

Lowes Card...

Has anyone had any good experiences with Lowes on a recon for a higher limit?  I was just approved but only for $300. I applied online. 

 

 

Thanks

Starting Score: Mid 500's
EQ-663 TU-686 EXP-698
Goal Score:750+

NavChek $15,000/NFCU nRewards Visa $12,000/American Express Rewards Gold NPSL/USAA Rewards World Mastercard $7000/USAA Visa Platinum $7000/Barclay $3900/Credit Union Visa $5000/Jareds $7600/BofA Visa $4000/USAA MC $1500/Walmart $1200//Amazon $1000/Discover Card $750/Cap1 $2250.







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Mega Contributor
Creditaddict
Posts: 18,484
Registered: ‎10-23-2007

Re: Lowes Card...


eparker wrote:

Has anyone had any good experiences with Lowes on a recon for a higher limit?  I was just approved but only for $300. I applied online. 

 

 

Thanks


YES, if you just applied like as in now... CALL NOW! you will most likely get front line CSR calling the number out of sticky above, but ask to be transferred to Credit Analyst to reconsider higher limit, don't let CSR submit for a CLI... also they will ask if it is okay to pull credit (they are usualy good about saying this is a soft, and it IS! so don't worry, and ask HIGH, they will counter... don't go asking for $1000 when you might be able to get $5k!

Fico Scores: EQ 639 Navy, TU 667 GE, EX 677 Prosper (06-27-14)
ENTERED GARDEN 07/07/2014 After getting auto loan
Joint Cards: Navy NavCheck $15000, Discover iT $9000, Macy Amex $4000, Macy Store $3000, Macy Furniture $5800
AU: Virgin America $8500, CSP $27,000, Fidelity Amex $25,000, AA Biz $25,000, Barclay USAir Biz $6640... The List Goes On!
Mine: I have to many... (20+) They won't fit :smileytongue:
Established Member
Stocks1101
Posts: 17
Registered: ‎12-10-2011

Re: Lowes Card...

Definitely recon! I was approved online for $500 a few weeks ago and called them the next morning (it was a late night app) to recon. Went through the automated system first then was transferred to a live person. I told them I was looking to buy a riding mower and they asked what I needed- told them $2500 and they gave me $2300. Good luck!

Starting Scores: Not sure but pretty low post BK7 d/c 09/09
Current Scores: EQ-640 TU-666 EX-? 4/2012
Goal: 700+ across the board

CARDS: Cap One Plat- 500/750/1250/1750 Cap One NH Rewards- 2000 CareCredit- 500/2100 Lowes- 500/2300 Walmart- 800 Old Navy- 300 Kohls- 600 Maurices- 500 Lane Bryant- 150 CLOSED: First Premier- 300/400 BB Reward MC- 300 Direct Plat Disc- 400
Now Gardening for 6 months (*hopefully I can restrain myself)
Frequent Contributor
hedgeclipper2
Posts: 421
Registered: ‎07-21-2010

Re: Lowes Card...

[ Edited ]

I was approved in-store last year and I immediately called them while standing at the customer service desk, immediately increased from $1200 to $2000.  So yes, give them a call!

-----------------------
My favorite card right now: Barclays Priceline Visa Signature
Frequent Contributor
eparker
Posts: 268
Registered: ‎03-10-2009

Re: Lowes Card...

Well, they bumped me from $300 to $900.  I heard the card grows with you.  So I will see, don't need the large credit line right now.  But will be needing a riding mower later on down the line.  

 

I guess something was better than nothing :smileyhappy:.  

Starting Score: Mid 500's
EQ-663 TU-686 EXP-698
Goal Score:750+

NavChek $15,000/NFCU nRewards Visa $12,000/American Express Rewards Gold NPSL/USAA Rewards World Mastercard $7000/USAA Visa Platinum $7000/Barclay $3900/Credit Union Visa $5000/Jareds $7600/BofA Visa $4000/USAA MC $1500/Walmart $1200//Amazon $1000/Discover Card $750/Cap1 $2250.







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Valued Contributor
Uborrow-Upay
Posts: 2,710
Registered: ‎10-16-2008

Re: Lowes Card...

Good work!

 

Congrats!

Valued Contributor
boomhower
Posts: 1,863
Registered: ‎09-20-2011

Re: Lowes Card...

Yeah, always recon lowes CL. I went from $1500 to $3k, should have asked for more.
Established Member
Kwao
Posts: 21
Registered: ‎08-25-2012

Re: Lowes Card...

I was there today and decided on a whim to apply for one. Got approved for a $6,000 limit. Didn't ask for any limit in particular either. I've never even been in one of their stores before. *shrugs*

Moderator Emeritus
tinuviel
Posts: 4,877
Registered: ‎11-02-2010

Re: Lowes Card...


eparker wrote:

Well, they bumped me from $300 to $900.  I heard the card grows with you.  So I will see, don't need the large credit line right now.  But will be needing a riding mower later on down the line.  

 

I guess something was better than nothing :smileyhappy:.  


 

Everyone's situation is different, but the potential is there. My DH was approved for a Lowe's card with a starting limit of $300. After 3 months, they bumped him up to $600. And four months after that, they bumped him up again, this time to $6500. It grew very quickly. Good luck, and may yours grow for you as well.

 


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Mega Contributor
Creditaddict
Posts: 18,484
Registered: ‎10-23-2007

Re: Lowes Card...


Kwao wrote:

I was there today and decided on a whim to apply for one. Got approved for a $6,000 limit. Didn't ask for any limit in particular either. I've never even been in one of their stores before. *shrugs*


You could probably call the backdoor number on Monday and get that raised to who knows what $10-$20k based on what other kind of limits you have.  $6k is impressive starting line with GE I would say!

Fico Scores: EQ 639 Navy, TU 667 GE, EX 677 Prosper (06-27-14)
ENTERED GARDEN 07/07/2014 After getting auto loan
Joint Cards: Navy NavCheck $15000, Discover iT $9000, Macy Amex $4000, Macy Store $3000, Macy Furniture $5800
AU: Virgin America $8500, CSP $27,000, Fidelity Amex $25,000, AA Biz $25,000, Barclay USAir Biz $6640... The List Goes On!
Mine: I have to many... (20+) They won't fit :smileytongue:

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