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Valued Contributor
Dustink
Posts: 2,980
Registered: ‎10-02-2012

Re: Lowes or Home Depot - which is better?


mkm77 wrote:

For me, GE sucks. Have no idea why but I NEVER  get an increase from them other than Care Credit who eventually gave a nice increase. I have had a Lowes card with a $600 CL for 3 years...Will not increase it. Strangly though GE seems to give me a card whenever I apply however. Currently I have 5 cards. Probably ran about 4K minimum through there with no CLI. Home Depot went from 1K to 5 K in 6 months.


Shows how different credit is from person to person. Most everyone on here talks about how they get huge increases from GE.

 

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:21    


     $14k          $8.5K          $7.5k          $7.5k         $6.5k             $6k             $5k            $5k             $5k              $5k           NPSL       @ 0%
Valued Contributor
maiden_girl
Posts: 2,005
Registered: ‎12-29-2011

Re: Lowes or Home Depot - which is better?


Dustink wrote:

mkm77 wrote:

For me, GE sucks. Have no idea why but I NEVER  get an increase from them other than Care Credit who eventually gave a nice increase. I have had a Lowes card with a $600 CL for 3 years...Will not increase it. Strangly though GE seems to give me a card whenever I apply however. Currently I have 5 cards. Probably ran about 4K minimum through there with no CLI. Home Depot went from 1K to 5 K in 6 months.


Shows how different credit is from person to person. Most everyone on here talks about how they get huge increases from GE.

 


I know! GE increased the line on my Amazon card from 1k to 2k during the same month the account opened!! GENEROUS!

 

The truth is out there...
FICO scores: 724 (EQ) 709 (EX) 711 (TU) 4/14 | Goal score: 750+ (all 3)
Tradelines: Capital One (5.0k) | Discover IT (5.0k) | Walmart Discover (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)
--------------------------Gardening until my credit recovers...NO MORE INQUIRES TIL 2015
Established Contributor
CruzImperial
Posts: 863
Registered: ‎07-04-2012

Re: Lowes or Home Depot - which is better?

Ges been very generous with me. As well. I

Going back to the topic, I feel the Lowes card is better. However, do you often see promotional deferred interests with hd
Fico Scores: . Walmart TU 748 . App free since Aug 2013 .

Cap One Journey 500 | Discover IT 1k | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 6k | Barclays Apple 2.5k | BoA CR 800 | CSP 7.2k
Senior Contributor
youngandcreditwrthy
Posts: 6,137
Registered: ‎08-16-2012

Re: Lowes or Home Depot - which is better?

+10000000 to maidengirl&dustink....
Gardening for six months AT LEAST... We can just help people with our knowledge, we don't have to app all the time :-P
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 | Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Senior Contributor
youngandcreditwrthy
Posts: 6,137
Registered: ‎08-16-2012

Re: Lowes or Home Depot - which is better?

That's so weird mkm... Citi is like a pain, but surely if citi will cli you, ge would? Hmmm

Guess there are some things we will never understand. :-/
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 | Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Established Member
rosegardener
Posts: 54
Registered: ‎08-10-2012

Re: Lowes or Home Depot - which is better?

My vote is for Lowes.  At least around here they pretty much beat HD pricing on most everything.

 

 

In the wallet: USAA MC $4k, Citi Expedia MC $2k, Discover More $1k, Zync $500, American Eagle $1.9k, Amazon Store $1.5k, Lowes $1k, Belk $1.4k, Macy's $500, Abercrombie $350, VS $350
Score: 702 (Discover approval 08/03)
Goal: 800 Club
Picking up my intro spade and stepping in the garden. Let's grow some pretty roses!
Established Contributor
flowfaster
Posts: 787
Registered: ‎08-30-2011

Re: Lowes or Home Depot - which is better?

what about us bank cash+? It has 5% on all home improvement stores.
Amex BCP/BC/Zync - Amex Business GR - Barclays NFL Visa Sig 49ers/Arrival - BoA BBR - Cap 1 Quicksilver - Citi Forward/Preferred - Chase Amazon/Freedom/Ink Plus - Discover IT - Fidelity Amex - GECRB Amazon/Walmart - PenFed PRV - Target - USAA Amex - US Bank CASH+/Club Carlson
Established Contributor
sccredit
Posts: 770
Registered: ‎09-14-2012

Re: Lowes or Home Depot - which is better?

Having just bought my house we noticed that prices were lower on the things we needed at HD (sometimes by 25%).  I liked the 0% interest on all of the paint, fixtures, etc we needed.

Mortgage $299k/$310k
Autos Loans $49.5k/$60k
Unsecured Lines $157.2k

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Valued Contributor
Dustink
Posts: 2,980
Registered: ‎10-02-2012

Re: Lowes or Home Depot - which is better?


flowfaster wrote:
what about us bank cash+? It has 5% on all home improvement stores.

There!!! Finally somebody is thinking outside the box. Sounds like a winner to me. Isn't it actually more than 5% because of the checking package bonus? I am always up for recommending US Bank as well, they rock!

 

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:21    


     $14k          $8.5K          $7.5k          $7.5k         $6.5k             $6k             $5k            $5k             $5k              $5k           NPSL       @ 0%
Established Contributor
flowfaster
Posts: 787
Registered: ‎08-30-2011

Re: Lowes or Home Depot - which is better?

Yes, the US BANK CASH+ ROCKS!!  Yeah you do get a checking account bonus, I get an extra 25% from the gold package and I love it.  The Bill Pay is just awesome. If you need home improvement, I would set 1 category to home improvement, one to bill pay and the 2% to whatever. 

 

PS lowes sells gift cards. Shhh....

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