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Valued Contributor
Duncanrr
Posts: 2,841
Registered: ‎06-08-2012
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Lowes or Home Depot - which is better?

Redoing my kitchen/bath and some other things around the house to fix various storm related damage and upgrade.  Which store, Home Depot or Lowes, is better in terms of the products they have?  Which store has a better credit card product?

 

Thanks in advance,

 

 

Duncan, aka the white drapper :smileywink:



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Senior Contributor
youngandcreditwrthy
Posts: 6,163
Registered: ‎08-16-2012
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Re: Lowes or Home Depot - which is better?

Hey Duncan...

I think Lowe's is better, although I don't have HD....

 

Lowe's has a deal right now... if you spend $3500, you can get it at 5.99% for 84 months... They also have been very generous with CLIs on my account ( my highest at $12k).... and I barely use it....lol I do use it every month or two for cleaning stuff usually... might spend less than $10 hhaha and PIF....

 

seems like Citi, backer of HD I think, is a stickler and not as easy to do business with....

 

Hope this helps!! :-D

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 | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Senior Contributor
youngandcreditwrthy
Posts: 6,163
Registered: ‎08-16-2012
0

Re: Lowes or Home Depot - which is better?

oh... something else... lowe's also gives you 5% off all purchases with their card...but they won't let you combine that with any financing offers. lol

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 | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Regular Contributor
aplast
Posts: 150
Registered: ‎06-20-2012
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Re: Lowes or Home Depot - which is better?


youngandcreditwrthy wrote:

Hey Duncan...

I think Lowe's is better, although I don't have HD....

 

Lowe's has a deal right now... if you spend $3500, you can get it at 5.99% for 84 months... They also have been very generous with CLIs on my account ( my highest at $12k).... and I barely use it....lol I do use it every month or two for cleaning stuff usually... might spend less than $10 hhaha and PIF....

 

seems like Citi, backer of HD I think, is a stickler and not as easy to do business with....

 

Hope this helps!! :-D


+1 GECRB will grow with you and they will CLI regularly. Solid company to do business with. I am more of a home depot guy myself, but if I was in the market to have a home improvement credit card I would def. choose Lowes.

American Express Green - NPSL, Sams Club Discover - 4000, Paypal Smart Connect - 4000, Capital One - 3500, Barclaycard Visa - 2500, Walmart - 1500, Discover IT - 1000, Ashley Furniture Home Store - 1000, Care Credit - 1000.
Valued Contributor
Duncanrr
Posts: 2,841
Registered: ‎06-08-2012
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Re: Lowes or Home Depot - which is better?

Are the cards just store cards or do they have a MC/Visa version?



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Senior Contributor
youngandcreditwrthy
Posts: 6,163
Registered: ‎08-16-2012
0

Re: Lowes or Home Depot - which is better?

They have an Amex version .... only for businesses though...

 

They *used* to have a Lowe's Visa, but you can't app for that now or be upgraded to it...

so it's just the Lowe's Store Card that is up for grabs...

 

I think they discontinued the Lowe's Visa  a while ago (2005?), but whenever I login it, it gives me the option to login for a Lowe's Visa... I think I even called GECRB once to harrass them about it, and they said they didn't offer it any more lol.

 

As for quality of products... I really like their Method cleaning stuff LOL... idk about anything else in that store.. well, I've seen that they have nice Wine Cellar thingies... and pretty granite countertops... LOL...

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 | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Valued Contributor
maiden_girl
Posts: 2,095
Registered: ‎12-29-2011
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Re: Lowes or Home Depot - which is better?

Well...Home Depot card is backed by Citi. Lowes is backed by GECRB. You'll probably have a better time with Lowes than Home Depot, IMO.

The truth is out there...
FICO scores: 758 (EQ) 741 (EX) 768 (TU) 8/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Discover (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Valued Contributor
Duncanrr
Posts: 2,841
Registered: ‎06-08-2012
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Re: Lowes or Home Depot - which is better?


maiden_girl wrote:

Well...Home Depot card is backed by Citi. Lowes is backed by GECRB. You'll probably have a better time with Lowes than Home Depot, IMO.


I have Walmart Discover with GECRB.  Ive been wanting to app for Citi Forward card.  Wondering if apping for Citi backed HD would be a good way to setup relationship with Citi so I could app for their card after refi in 8 months?



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Senior Contributor
youngandcreditwrthy
Posts: 6,163
Registered: ‎08-16-2012
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Re: Lowes or Home Depot - which is better?

I think Duncan knows what he should do now LOL....?

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 | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Valued Contributor
Duncanrr
Posts: 2,841
Registered: ‎06-08-2012
0

Re: Lowes or Home Depot - which is better?

:smileywink: nah. I'm going to be good boy. Other than my current home project I don't really see need for either. Maybe amex will let me put home pack on zync.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge

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