I generally like Lowe's better as a store, although with our local pair, HD is better. I got an HD card solely because it is serviced by Citi, and they are great. Unlike PP's experience, they have't shopped me to anyone else. I think I remember that they have those check boxes asking if it's OK to mail info; I'm pretty sure that I checked Yes for the Home Depot stuff and no for their "partners." Just about every retailer and bank seems to do this now...
I don't want to fool with anything from GEMB. I know that there are people who are happy with their individual GEMB cards, and there might be people with high CL's in their Lowe's card, but all my reading here tilts heavily toward better experiences with HD than with Lowe's. When I get done chopping up the CC's I've decided not to keep, Home Depot will be my keeper store card, with a $4K initial CL.
Saying that, I do believe that if you already have great scores and a great report, you can get a good deal from Lowe's. But I didn't want to risk it. YMMV
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007