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lowes cc app after closing mortgage

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ReBuild-OH17
New Contributor

lowes cc app after closing mortgage

So I closed my mortgage today and I've been told several times I'm funded as of today. Lol. I've adsked twice to be sure, im still paraniod. My question is, how long should I wait before I apply for the Lowes cc?
Message 1 of 12
11 REPLIES 11
pizzadude
Credit Mentor

Re: lowes cc app after closing mortgage

If you have closed and signed the papers then I see no reason to wait. Even if the bank happened to pull your credit as some kind of post~closing audit ( which rarely happens IMO ) I don't think anyone would question it.
March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 2 of 12
Mendoric
Established Member

Re: lowes cc app after closing mortgage

You should try the Amex zync they have a lowes rewards benefit you could add to the card I think it's good you should look at it.
Message 3 of 12
Anonymous
Not applicable

Re: lowes cc app after closing mortgage

Are you saying your Closeing on a Morgage, I don't' understand?

Message 4 of 12
boomhower
Valued Contributor

Re: lowes cc app after closing mortgage


@Mendoric wrote:
You should try the Amex zync they have a lowes rewards benefit you could add to the card I think it's good you should look at it.

Zync doesn't do 18 months 0% financing or 5% off all purchases. 

 

 

Funding usually happens the next day at the latest but I've heard it takes up to three.  I'd give it three days just to be safe. 

Message 5 of 12
guydiver
Established Contributor

Re: lowes cc app after closing mortgage


@boomhower wrote:

@Mendoric wrote:
You should try the Amex zync they have a lowes rewards benefit you could add to the card I think it's good you should look at it.

Zync doesn't do 18 months 0% financing or 5% off all purchases

 

 

Funding usually happens the next day at the latest but I've heard it takes up to three.  I'd give it three days just to be safe. 


+1

Message 6 of 12
Repo-ed
Senior Contributor

Re: lowes cc app after closing mortgage

Just wait a few days.

 

The wait will be worth it.

5/2012: 560 credit scores across the board
12/2014: 750+
3/2017: 780+
11/2019: 833
2/2023: Experian via Chase United Explorer CC pull - 891
Message 7 of 12
LS2982
Mega Contributor

Re: lowes cc app after closing mortgage


@Mendoric wrote:
You should try the Amex zync they have a lowes rewards benefit you could add to the card I think it's good you should look at it.

I agree, AMEX is good with the lowes discounts. Others are right about the financing tho.




EQ FICO 548 3/3/16
Message 8 of 12
kevinjjc
Valued Contributor

Re: lowes cc app after closing mortgage

Does anyone know if you can get both the 5% discount when using a Lowes credit card and 10% military discount? And how about Home Depot?

Message 9 of 12
Booner72
Senior Contributor

Re: lowes cc app after closing mortgage

I think you only get one of the discounts.
STARTING: 11/24/10 EQ-584 EXP-648 TU04-595
CLOSED FIRST HOME 8/19/11 EQ-630 EXP-691 TU04-653
CURRENT: EQ-701 EXP-??? TU08-720
Message 10 of 12
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