topic Re: Lowes Credit Card - No more for me! in Credit Card Approvals

Lowes Credit Card - Update: CLI Approved

Anonymous — Fri, 06 Oct 2017 21:07:31 GMT

So I had this card for a while, going on a year, and attempts for CLIs have failed...currently sitting at.....wait for it.....$337, yes $337 not a typo.

I think I'm going to close it, thoughts, advise? I have plenty of CL so it won't make a dint. Did use the card here and there and has good history.

Mod note: I've updated your subject line to reflect your CLI approval; feel free to edit/change if you would like. --UB

Re: Lowes Credit Card - No more for me!

simplynoir — Fri, 06 Oct 2017 18:32:49 GMT

I'm not particularly picky about my CL numbers but that $337 would bother the hell outta me....

Re: Lowes Credit Card - No more for me!

Anonymous — Fri, 06 Oct 2017 18:34:59 GMT

Exactly lol

Re: Lowes Credit Card - No more for me!

pizza1 — Fri, 06 Oct 2017 18:36:12 GMT

Whats your current TU fico08? Whens the last time you called credit solutions to ask for a CLI? and if your TU report is frozen, they won't be able to SP it.

Re: Lowes Credit Card - No more for me!

Anonymous — Fri, 06 Oct 2017 18:37:52 GMT

@Anonymous wrote:
So I had this card for a while, going on a year, and attempts for CLIs have failed...currently sitting at.....wait for it.....$337, yes $337 not a typo.

I think I'm going to close it, thoughts, advise? I have plenty of CL so it won't make a dint. Did use the card here and there and has good history.

Hell, that's not enough limit for (1) transaction for many folks in Lowes.

Re: Lowes Credit Card - No more for me!

simplynoir — Fri, 06 Oct 2017 18:38:48 GMT

hahahaha well the only reason I'd keep the card open is if it's old to help with your AAoA and payment history if CLI requests have failed. I could see keeping it open then but man would my eye twitch every time I saw that number on my credit reports.

Re: Lowes Credit Card - No more for me!

Anonymous — Fri, 06 Oct 2017 18:47:45 GMT

LOL

The card was open last year in 11/21/2016, AAOA should not take a big hit

TU score is 710

I wonder if it has to do with the fact that i have:

JcPenney $1500 CL

Amazon $2200 CL

Paypal $900 CL

TjMaxx $1000 CL

Re: Lowes Credit Card - No more for me!

simplynoir — Fri, 06 Oct 2017 18:49:37 GMT

Then assuming pizza1's suggestions/questions don't help I'd close the card. That number is just hard to stare at lol.

Re: Lowes Credit Card - No more for me!

Anonymous — Fri, 06 Oct 2017 18:59:00 GMT

I'd personally dump it, but 1st I'd call them letting them know I want to keep it however I have no choice but to cancel it bc there's some strange issue going on with the CL, and it's damaging my credit reports meaning affecting the SL new credit cards give me based on the avg CL of my current cards.

I would add that limit does not let me buy comfortably at Lowe's since I don't want to max out the card, and there's plenty of stuff in Lowe's for much more that $337, and I don't want to have to pay off the card several times a month to make it usable.

If after that they don't give me a reasonable CLI I cancel immediately. If they give me a symbolic CLI up to say $500 I'd cancel too. If they give me 1K or more I would consider keeping it based on all other variables --time with card, other CLs, my scores, how useful it is for me that CC

I think you have plenty of store cards, and bank cards too, so I wouldn't care to weed out exceptionally those that give me problems I can't fix.

Re: Lowes Credit Card - No more for me!

Anonymous — Fri, 06 Oct 2017 19:01:51 GMT

That's what i was thinking...what has been more success, chat or call?

Re: Lowes Credit Card - No more for me!

simplynoir — Fri, 06 Oct 2017 19:04:03 GMT

Call.

Re: Lowes Credit Card - No more for me!

K-in-Boston — Fri, 06 Oct 2017 19:13:10 GMT

@Anonymous wrote:
That's what i was thinking...what has been more success, chat or call?

Certainly call, and make sure you are calling the overseas Credit Solutions line not the domestic one. They actually take the time to try to get things approved, whereas the domestic CS and chat just seem to say "hold on, let me see what the computer says."

Re: Lowes Credit Card - No more for me!

Anonymous — Fri, 06 Oct 2017 19:12:48 GMT

Agreed, call for best results

Re: Lowes Credit Card - No more for me!

Anonymous — Fri, 06 Oct 2017 19:46:03 GMT

I appreciate the advice...can anyone please PM me their number?

Re: Lowes Credit Card - No more for me!

K-in-Boston — Fri, 06 Oct 2017 20:04:29 GMT

@Anonymous wrote:
I appreciate the advice...can anyone please PM me their number?

No need to PM. It's not a private or unpublished backdoor. (877) 379-8173

Don't forget - they counter-offer. So feel free to ask for $25,000. (Or $24,321 if it helps you with the nostalgia for your SL.)

Re: Lowes Credit Card - No more for me!

Anonymous — Fri, 06 Oct 2017 20:36:11 GMT

Well, before I even got the number you posted...thanks by the way.

i called the regular number, I just wanted to close it. Robot lady was having a hard time transferring me to a person. After the third time repeating “representative”, robot lady asked again, “How can we help you?”, I finally said, “CLI!!!” “Ok, I understand you want a credit line increase, is that correct?” Yeeeees! (Lol, she understood that!)

Anyways, to my surprise, I asked for $10k and robot lady gave me $10k. Guess I’ll be keeping it.

So weird, as if they knew I was going to call!!

Re: Lowes Credit Card - No more for me!

Gmood1 — Fri, 06 Oct 2017 21:01:35 GMT

@Anonymous wrote:
Well, before I even got the number you posted...thanks by the way.

i called the regular number, I just wanted to close it. Robot lady was having a hard time transferring me to a person. After the third time repeating “representative”, robot lady asked again, “How can we help you?”, I finally said, “CLI!!!” “Ok, I understand you want a credit line increase, is that correct?” Yeeeees! (Lol, she understood that!)

Anyways, to my surprise, I asked for $10k and robot lady gave me $10k. Guess I’ll be keeping it.

So weird, as if they knew I was going to call!!

That means you've left money on the table most likely. Go back in online and asked for $25k. lol

The system will counter offer when you've hit the ceiling.

Re: Lowes Credit Card - No more for me!

simplynoir — Fri, 06 Oct 2017 21:10:25 GMT

@Gmood1 wrote:

That means you've left money on the table most likely. Go back in online and asked for $25k. lol
The system will counter offer when you've hit the ceiling.

Yep, and with the Lowes card they grant higher CLs because of the amount/type of purchases being made.

Re: Lowes Credit Card - Update: CLI Approved

UncleB — Fri, 06 Oct 2017 21:11:26 GMT

Good job!

Keep in mind that if you did that well with 'robo-lady' that you could likely get even more with Credit Solutions (if you need/want more).

Like @K-in-Boston mentioned, be sure to use the overseas number for best results!

Re: Lowes Credit Card - No more for me!

Anonymous — Fri, 06 Oct 2017 21:27:26 GMT

10K is awesome congratulations! I feel a renewed respect for robot ladies now