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What is the Highest limit for Lowes

Established Contributor

What is the Highest limit for Lowes

I got a pre-approval for a Lowes card a couple of days ago.  It said that I am preapproved to receive a credit line up to $700.  Now, I have nothing but luv for GEMB at this point as they gave me a 1K CLI on my Care Credit about a month and a half ago, but I also read the fine print.  It said on the back that if you are approved, the minimum CL you will receive is $300.  This makes me not want to apply, but if my current relationship (which is in very good standing) helps, I was thinking that they might start me off at the high end.  What do you guys think?
 
Also, since it gave me this range, I was wondering if this is one of their product tiers (between $700 and $300).  Lowes has to go higher than that right? 
 
Of course, I'd rather have HD, but I am scared to touch CITI since I have a settled CO from 2005 with them.
FICO's: TU: 682 EX: 688 EQ: Unknown

In my wallet (strikethough are getting the axe soon): Amex Rewards Plus Gold | BECU: 10,000 | AlaskaUSA FCU: 6,900 | Citi Forward 6,500 | BOA Travel Rewards: 5,000 | US Bank Cash+: 5,000 | Merrick: 4,200 | Chase Freedom: 3,500 | Juniper: 3,100 | Household: 2,450 | Best Buy Reward Zone: 2,000 | Cap1: 1,500 | Cap1: 750 | Bailey's Furniture: 3,100 | Lowes: 4,500 | Care Credit: 2,000 | Zales: 1,400 | Kohls: 400 | Sam's: 5,200 | Walmart: 1,100 | Discover More: 1,000
Message 1 of 7
6 REPLIES
Established Contributor

Re: What is the Highest limit for Lowes

I have a Lowes card.  It started at 725 and stayed there for over 3 years until I clicked the magic button, then it went to 1200.  I've never had any problems with them.  It's been a good card for buying stuff for the house.  Smiley Wink
07/26/2007 TU-688
EQ-656
EX-649
Message 2 of 7
Established Member

Re: What is the Highest limit for Lowes

I wanted to take advantage of Lowe's 12 months no payments/interest so I applied for their card in December. I was given a credit limit of $15,000. The lady in customer service said she had never seen a credit limit that high. My parents have a CL of $10,000 with Lowe's.
Message 3 of 7
Established Contributor

Re: What is the Highest limit for Lowes

I have a Lowes visa with a 5k cl. It originally was a cap1 lowes, then they sold it off to gemb. I've had it for about 5 yrs now.
Message 4 of 7
Established Contributor

Re: What is the Highest limit for Lowes



scramblingin2007 wrote:
I have a Lowes visa with a 5k cl. It originally was a cap1 lowes, then they sold it off to gemb. I've had it for about 5 yrs now.



What was the limit when it was sold to GEMB and when did cap 1 sell their accounts to GEMB?
FICO's: TU: 682 EX: 688 EQ: Unknown

In my wallet (strikethough are getting the axe soon): Amex Rewards Plus Gold | BECU: 10,000 | AlaskaUSA FCU: 6,900 | Citi Forward 6,500 | BOA Travel Rewards: 5,000 | US Bank Cash+: 5,000 | Merrick: 4,200 | Chase Freedom: 3,500 | Juniper: 3,100 | Household: 2,450 | Best Buy Reward Zone: 2,000 | Cap1: 1,500 | Cap1: 750 | Bailey's Furniture: 3,100 | Lowes: 4,500 | Care Credit: 2,000 | Zales: 1,400 | Kohls: 400 | Sam's: 5,200 | Walmart: 1,100 | Discover More: 1,000
Message 5 of 7
Established Contributor

Re: What is the Highest limit for Lowes



heirophant wrote:


scramblingin2007 wrote:
I have a Lowes visa with a 5k cl. It originally was a cap1 lowes, then they sold it off to gemb. I've had it for about 5 yrs now.



What was the limit when it was sold to GEMB and when did cap 1 sell their accounts to GEMB?


Yes that was my cl w/ cap1 before they sold it to gemb in 2007. here is what it says on my ex report:
Experian] Purchased by a another lender.

Message 6 of 7
Established Contributor

Re: What is the Highest limit for Lowes



scramblingin2007 wrote:


heirophant wrote:


scramblingin2007 wrote:
I have a Lowes visa with a 5k cl. It originally was a cap1 lowes, then they sold it off to gemb. I've had it for about 5 yrs now.



What was the limit when it was sold to GEMB and when did cap 1 sell their accounts to GEMB?


Yes that was my cl w/ cap1 before they sold it to gemb in 2007. here is what it says on my ex report:
Experian] Purchased by a another lender.




Any CLI's since they sold it?  Darn, I just missed the cap1 train on that...erghhh!!!!  I don't have anything bad to say about GEMB, though.  Everyone just says their stingy.
FICO's: TU: 682 EX: 688 EQ: Unknown

In my wallet (strikethough are getting the axe soon): Amex Rewards Plus Gold | BECU: 10,000 | AlaskaUSA FCU: 6,900 | Citi Forward 6,500 | BOA Travel Rewards: 5,000 | US Bank Cash+: 5,000 | Merrick: 4,200 | Chase Freedom: 3,500 | Juniper: 3,100 | Household: 2,450 | Best Buy Reward Zone: 2,000 | Cap1: 1,500 | Cap1: 750 | Bailey's Furniture: 3,100 | Lowes: 4,500 | Care Credit: 2,000 | Zales: 1,400 | Kohls: 400 | Sam's: 5,200 | Walmart: 1,100 | Discover More: 1,000
Message 7 of 7