Lowes Card

[Datx]

---

@Anonymous wrote:

Got the email today DENIED....oh well...

But the good news is I was approved this year for a $10k personal loan with my credit union, for overdraft protection with my regular bank, a credit card with Monroe (which services my car) and I am now one year in my house with my mortgage I obtained with USDA so I guess I can live with the one denial, though it is dissappointing.

---

Sorry to hear that. But congrats on your personal loan through your CU. Thats another thing I wanted to do with my local CU, apply for a CC and see if they can work with me. I think I will stay inquiry free and work on cleaning up my reports and then try.

[laz98]

---

@MyCreditStinks wrote:

---

@laz98 wrote:

 i've noticed el paso, texas seems to be different from the rest of the freaking state!  LOL!

---

You folks are a bunch of weirdos out there! Also part of the state that has a diff time zone from the rest of us. LOL, just kidding. I'll play nice.

I keep on thinking about applying for that Amazon card, but too much store cards is not a good thing. Or is it...hmm..

---

everyone jokes that el paso is the new mexico part of texas

i must confess, almost all of my credit cards are store cards...if it wasn't for those 2 AUs....

[Anonymous]

I have never gotten approved for any GEMB  cards that i have applied for on line.  However i got instant approval for them when i applied in the store. you have to wait 30 days before you can apply again but if you really want the card, give it a try. LOWES is building  a brand new store about a mile from my house and i may apply once its open esp since HOME DEPOT CLOSED MY ACCT .

[Anonymous]

I applied for a Lowe's card this morning and just confirmed that they pulled TU for me here in West Texas.

[clocktick]

I'm not a fan of GEMB.  I had a Lowes card with a limit of $500.  I closed that and later on applied again because of the 10% off and got approved for only $1500.  I maxed it out almost immediately and paid it off just as fast.  They won't give me a CLI and I shop there ALL the time including them redoing my entire kitchen and having several carpet installs with them.  I'm thinking of closing this card too.  It served its purpose.

(As a side note, GEMB lowered my Paypal from $2000 to $100 in the past so I do have a slight grudge against them .  I ended up closing that account.  They're also double reporting it on my CRs.)

[Anonymous]

I guess I am not quite understanding here that maybe someone  can help me with....

Why is it that GEMB cards get so many declines online yet re-approvals when someone applies in store?

[Anonymous]

---

@Anonymous wrote:

I guess I am not quite understanding here that maybe someone  can help me with....

Why is it that GEMB cards get so many declines online yet re-approvals when someone applies in store?

---

The identity check is easier when they see you and your driver's license in person . Plus, they know you want to buy something there at that moment.

[bigman023]

I know this is an old thread.  But I was wondering if anyone knew if they (Lowes/GEMB) are using TU04 or TU98.

Thanks

[LS2982]

Should be TU, maybe EQ. All of my GECRB accounts (4) have been TU other than CareCredit.