topic Re: Lowe's SL Recon in Credit Card Approvals

Lowe's SL Recon

Anonymous — Wed, 19 Sep 2018 21:41:46 GMT

I'm moving next week & needed a new washer and dryer. Lowe's offers good (comparable) prices w/ free delivery and installation (I know its not hard but I own no tools) and I had a 10% off coupon. Monday I applied and was approved in-store, thinking that might get me a better SL. It did not: 2K. And Synchrony reported the new account & balance the next day showing me at almost 50% Util.

My plan was to wait for my card to arrive and try for a CLI. But then I read this thread. Thank you, burntreality. My experience now mirrors yours: I too called overseas before the card arrived and turned 2K into 10K.

DPs: HP EX on Monday: 717 Fico 08 w/ 17 Inq (EX only) and < 5% Util. This is my 5th Synchrony card and probably my last. I can't think of another I want.

Re: Lowe's SL Recon

burntreality — Wed, 19 Sep 2018 22:13:03 GMT

Congrats!
Should be able to utilize that card now without killing utilization

Re: Lowe's SL Recon

Anonymous — Thu, 20 Sep 2018 01:16:17 GMT

@burntreality wrote:
Congrats!
Should be able to utilize that card now without killing utilization

Right. That was my thinking. I also got the 0% for 12 months on the total bill, so while I'm in no hurry to pay it off, the 1st payment should have me < 9% Util on the card.

Re: Lowe's SL Recon

Medic981 — Wed, 19 Sep 2018 23:57:13 GMT

Re: Lowe's SL Recon

19eighty5 — Thu, 20 Sep 2018 03:17:20 GMT

Congratulations on the approval AND CLI!