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Established Contributor
sccredit
Posts: 815
Registered: ‎09-14-2012
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Re: Thinking about Lowes card for 5% off


Creditaddict wrote:

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!


I should probably add that I have a CareCredit account (limit is $7800) that I have used once and paid off before 0% period was over.  I logged onto the site again and half of the application was blocked out by my employers security software

Unsecured Credit: Amex BCP $24,900; Chase Sapphire Preferred $24,200; Discover It $12,500; Chase Ink Cash $15,000; Chase Slate $13,500; Citi TYP $12,900; Amex SPG Biz $3,000; US Bank Platinum $8,600; DCU Visa $10,000; Logix FCU $15,000; Citi Home Depot $8,800; Lowes $5,000; Care Credit $6,000; Penfed Platinum Sig $16,000; Barclay Arrival Plus WEMC $5,000; Bank of America World Points Visa $8,000; US Bank PLOC Overdraft $1,500; PenFed PLOC $5,000

Established Contributor
sccredit
Posts: 815
Registered: ‎09-14-2012
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Re: Thinking about Lowes card for 5% off

I pulled the trigger on Lowes, gave me a 5 day message.  I called the 1-800-444-1408 but got sent to automated hell and COULD NOT get it to give me a human.  Anyone have a number for Lowe's human beings?

Unsecured Credit: Amex BCP $24,900; Chase Sapphire Preferred $24,200; Discover It $12,500; Chase Ink Cash $15,000; Chase Slate $13,500; Citi TYP $12,900; Amex SPG Biz $3,000; US Bank Platinum $8,600; DCU Visa $10,000; Logix FCU $15,000; Citi Home Depot $8,800; Lowes $5,000; Care Credit $6,000; Penfed Platinum Sig $16,000; Barclay Arrival Plus WEMC $5,000; Bank of America World Points Visa $8,000; US Bank PLOC Overdraft $1,500; PenFed PLOC $5,000

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Creditaddict
Posts: 19,595
Registered: ‎10-23-2007
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Re: Thinking about Lowes card for 5% off


sccredit wrote:

I pulled the trigger on Lowes, gave me a 5 day message.  I called the 1-800-444-1408 but got sent to automated hell and COULD NOT get it to give me a human.  Anyone have a number for Lowe's human beings?


Any of the backdoor GE numbers should work, Walmart, Lowes, Business... they will transfer you if you end up in business... if you end up with CSR, ask for manual review.... if a CSR says not possible they missed the memo.... hang up and get someone that is a little clearer on company policy now but hopefully you can avoid that all together... just make sure who they are!

Fico Scores: EQ 657 Cabelas, TU 662 Walmart, EX 699 Wells (07-27-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Express $300
Over 40 Cards in between :smileytongue:
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webhopper
Posts: 7,230
Registered: ‎09-16-2011
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Re: Thinking about Lowes card for 5% off

Discover is doing a 5% cash back bonus for the 2nd quarter... I would do discover IT before I did GE backed lowes...

 

I do like my business Lowes card though,  5% discount + 2% rewards


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Established Contributor
sccredit
Posts: 815
Registered: ‎09-14-2012
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Re: Thinking about Lowes card for 5% off


webhopper wrote:

Discover is doing a 5% cash back bonus for the 2nd quarter... I would do discover IT before I did GE backed lowes...

 

I do like my business Lowes card though,  5% discount + 2% rewards


I have the it card, it is only good for the first $1,500 but I will be spending over $10k.

Unsecured Credit: Amex BCP $24,900; Chase Sapphire Preferred $24,200; Discover It $12,500; Chase Ink Cash $15,000; Chase Slate $13,500; Citi TYP $12,900; Amex SPG Biz $3,000; US Bank Platinum $8,600; DCU Visa $10,000; Logix FCU $15,000; Citi Home Depot $8,800; Lowes $5,000; Care Credit $6,000; Penfed Platinum Sig $16,000; Barclay Arrival Plus WEMC $5,000; Bank of America World Points Visa $8,000; US Bank PLOC Overdraft $1,500; PenFed PLOC $5,000

Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011
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Re: Thinking about Lowes card for 5% off


sccredit wrote:

webhopper wrote:

Discover is doing a 5% cash back bonus for the 2nd quarter... I would do discover IT before I did GE backed lowes...

 

I do like my business Lowes card though,  5% discount + 2% rewards


I have the it card, it is only good for the first $1,500 but I will be spending over $10k.


Ahh I see..  if you have a business, look at the Amex Lowes.. otherwise you're probably smart to get the GE Lowes


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Established Contributor
sccredit
Posts: 815
Registered: ‎09-14-2012
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Re: Thinking about Lowes card for 5% off

Approved....>$500 limit.  Nope, not a typo.  I'm on hold for an underwriter now.

Unsecured Credit: Amex BCP $24,900; Chase Sapphire Preferred $24,200; Discover It $12,500; Chase Ink Cash $15,000; Chase Slate $13,500; Citi TYP $12,900; Amex SPG Biz $3,000; US Bank Platinum $8,600; DCU Visa $10,000; Logix FCU $15,000; Citi Home Depot $8,800; Lowes $5,000; Care Credit $6,000; Penfed Platinum Sig $16,000; Barclay Arrival Plus WEMC $5,000; Bank of America World Points Visa $8,000; US Bank PLOC Overdraft $1,500; PenFed PLOC $5,000

Senior Contributor
youngandcreditwrthy
Posts: 6,199
Registered: ‎08-16-2012
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Re: Thinking about Lowes card for 5% off

Lowe's will approve a much higher cl than Discover lol
Pahahaahaha @ "automated hell"
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
Established Contributor
sccredit
Posts: 815
Registered: ‎09-14-2012
0

Re: Thinking about Lowes card for 5% off

Rep came back at $1,000, being sent to Underwriting now

Unsecured Credit: Amex BCP $24,900; Chase Sapphire Preferred $24,200; Discover It $12,500; Chase Ink Cash $15,000; Chase Slate $13,500; Citi TYP $12,900; Amex SPG Biz $3,000; US Bank Platinum $8,600; DCU Visa $10,000; Logix FCU $15,000; Citi Home Depot $8,800; Lowes $5,000; Care Credit $6,000; Penfed Platinum Sig $16,000; Barclay Arrival Plus WEMC $5,000; Bank of America World Points Visa $8,000; US Bank PLOC Overdraft $1,500; PenFed PLOC $5,000

Established Contributor
sccredit
Posts: 815
Registered: ‎09-14-2012
0

Re: Thinking about Lowes card for 5% off

"Account does not qualify for an increase"   Too bad, looks like Home Depot it is

Unsecured Credit: Amex BCP $24,900; Chase Sapphire Preferred $24,200; Discover It $12,500; Chase Ink Cash $15,000; Chase Slate $13,500; Citi TYP $12,900; Amex SPG Biz $3,000; US Bank Platinum $8,600; DCU Visa $10,000; Logix FCU $15,000; Citi Home Depot $8,800; Lowes $5,000; Care Credit $6,000; Penfed Platinum Sig $16,000; Barclay Arrival Plus WEMC $5,000; Bank of America World Points Visa $8,000; US Bank PLOC Overdraft $1,500; PenFed PLOC $5,000


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