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03-01-2013 08:47 AM
I am going to be doing quite a bit of work on our house over the next couple of months and am debating the Lowes card for the 5% off (would give me about $500 over the next 2 months)
I actually had the application opened in my browser and almost submitted. Not sure if I REALLY need a new account.
03-01-2013 09:00 AM
Applying in store should get you a higher inital limit than submitting online. However, with use of the GE backdoor number to the underwriters, you can easily get a higher limit.
03-01-2013 10:55 AM
03-01-2013 10:59 AM - edited 03-01-2013 11:01 AM
5% isn't worth it. Do what I do is much better!
Go to USPS get a movers package you'll get a 10% coupon, then use your Freedom card since MARCH category = 5 points per dollar now ! (just recently added!)
so that's 10% + 5 UR points worth a minimum of 15% total. Since I get a redemption of around 4 cents average per point (united flying to asia) for me that's like 30% off!
there are ways to get more sneaky if you want.... but we won't go there! and no i'm not sharing that info, it's borderline stealing! and no i won't do it either.
Oh you can also use Cardpool or plastic jungle for 10% off Lowes and Home Depot gift cards to use + 10% movers coupon = 20% + points earned for buying off cardpool etc = 21% easily.
edit : note Home Depot will honor Lowes movers package coupon as well.
03-01-2013 11:09 AM
I love my Lowes card. 5% discount on all purchases or special 0% on special purchases.
03-01-2013 11:22 AM
I would apply!
either in store or at home, just carry that little backdoor number with you... as soon as it pops up approved call and ask them to increase it to $25k.
you think that sounds crazy but I have seen it time and time again and you have what appears to be solid scores and solid limits with other banks... GE is an easy one to instant increase and Lowes and CareCredit with GE seem to be the most huge increase cards at time of approval!
03-01-2013 11:32 AM - edited 03-01-2013 11:33 AM
The 5% is great to offset some sales tax. For example, the sales tax in MA is 6.25% so if I go to Lowes in MA, the 5% tends to compensate a bit
Like LS mentioned they have some great 0% finance deals, that's why I got his card.
I use my military ID for 10% off and buy in NH. The card came in handy when I was renovating my house for the special financing they had on flooring and appliances. Reason why they gave me a CL of $16K
03-01-2013 11:35 AM
03-01-2013 11:58 AM
Since my father was a military vet and lowes covers immediate family, would they also take a movers coupon with the discount or no? =)