topic Re: Lowes and Home Depot in Credit Card Approvals

Lowes and Home Depot

Anonymous — Tue, 08 Aug 2017 16:04:58 GMT

Just closed on a new home (SUPER EXCITED!!!). 1st time home buyer... app to close in less than 30 days...

needed a bunch of stuff so decided to try for some hardware store credit

Menards - Declined (letter I received had my fico at 595... not sure where they got that number, when I applied for the mortage end of June, scores were 705, 689, 698)

Home Depot - approved for $500

Lowes - approved for $837 (wierd number)

Kinda surprised at the low limits given my overall credit profile, no baddies, and 18% overall utilization... but oh well... I was able to get all the tools and paint that I needed so no complaints.

Re: Lowes and Home Depot

Anonymous — Tue, 08 Aug 2017 16:19:51 GMT

For the Lowe's card call Synchrony and request an increase on your card. Credit Solutions 877-379-8173

Re: Lowes and Home Depot

AverageJoesCredit — Tue, 08 Aug 2017 17:43:56 GMT

Congratd Op, as suggested call CS, ask for 15k, theyll either give it, counter or not , nothing lost to try. You might be able to call up iti and recon that limit. Might be another hp but let them know you just baught a house and need to buy some stuff and $500 doesnt cut it, lol. Enjoy your new home

Re: Lowes and Home Depot

Anonymous — Tue, 08 Aug 2017 19:41:19 GMT

The difference in score is likely due to the higher scores being your mortgage scores and the lower is your FICO 8 score.