Valued Contributor
RockinRay
Posts: 1,947
Registered: ‎08-13-2007
Re: approved for lowes card

Congrats and welcome to the forum!

 

As others have stated, that card will grow well with you.  :smileyhappy:

Ray

** Every Card has a Job, and Every Card does its Job **

Valued Member
scoobieky
Posts: 34
Registered: ‎09-15-2012
Re: approved for lowes card
So feeling on to of the world i applied for a Chase card and was not instantly denied so i card a backdoor number and was denied then for reasons stated in first post but GE got me feeling better with a Walmart card 900 Cl :smileyhappy: no more apps for me as i am going to attempt to buy a new car in 4 months in garden mode...

Starting Score: EQmyFico 669
Current Score: EQ674 WallyTU 680 NFCU TU 670 came with the card I was approved for
Goal Score: 700


In garden until April 2014

Valued Member
scoobieky
Posts: 34
Registered: ‎09-15-2012
Re: approved for lowes card
Edit called backdoor not card dang phone

Starting Score: EQmyFico 669
Current Score: EQ674 WallyTU 680 NFCU TU 670 came with the card I was approved for
Goal Score: 700


In garden until April 2014

Established Contributor
migliogiorni
Posts: 657
Registered: ‎06-27-2012
Re: approved for lowes card

congrats

 

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
Established Contributor
CruzImperial
Posts: 869
Registered: ‎07-04-2012
Re: approved for lowes card
The Lowes card really grows. In one year and a half I think, I've seen one go from 700 to 6k cl and now close to another increase.
Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
Re: approved for lowes card
It really does. Haha didn't even notice you said card. Kinda wish I owned a home so I could take advantage of some offers they have like now they have a 5.99% for 84 mos on purchases of $3500+!!!!
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 $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Valued Contributor
maiden_girl
Posts: 2,110
Registered: ‎12-29-2011
Re: approved for lowes card

scoobieky wrote:
So feeling on to of the world i applied for a Chase card and was not instantly denied so i card a backdoor number and was denied then for reasons stated in first post but GE got me feeling better with a Walmart card 900 Cl :smileyhappy: no more apps for me as i am going to attempt to buy a new car in 4 months in garden mode...

Chase usually won't approve you if you haven't had at least a year of reporting history. I learned my lesson with Chase years ago when I was first out the gate in the credit game.

 

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Valued Member
scoobieky
Posts: 34
Registered: ‎09-15-2012
Re: approved for lowes card
I've got a 9-10yr credit history my first 7 aren't great and i had an auto loan with chase before and was never late i thought that would account for something guess not oh well maybe in a year guess it's crap1 cards until then

Starting Score: EQmyFico 669
Current Score: EQ674 WallyTU 680 NFCU TU 670 came with the card I was approved for
Goal Score: 700


In garden until April 2014

Established Member
albinotiger
Posts: 13
Registered: ‎07-12-2012
Re: approved for lowes card
I asked for my first cli from lowes but only 2 months after i got the card.. auto denied today.. it said they will send a letter explaing why i was declined.. i know everyone says soft pull, but will the leter have my latest score?.. or is that only with hard pulls..
Established Contributor
CruzImperial
Posts: 869
Registered: ‎07-04-2012
Re: approved for lowes card

It won't say your score but instead be a generic letter telling you that you don't have enough experience with your current CL. You would have to call to request a recon on the increase.

Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |