topic Re: LOWES Approval $9,000 in Credit Card Approvals

LOWES Approval $9,000

RT209 — Tue, 22 Mar 2022 23:17:53 GMT

So,

I already have a Home Depot card since 2016 that has an $8,000 limit. There's a Lowes right across the street from it as well. I have never really shopped at Lowe's at all, its always been HD. Today, I decided that were gonna turn that tide and see what LOwe's is all about, keep hearing good things, not bad. The wife does want to remodel some of our kitchen, so she asked if we could apply for a Lowe's card since we never had one. I was actually trying to garden (we all know how that goes, the itch comes back). I went ahead and did the preapproval and was prequalified for a SL of $9,000 26.99 APR. Continuted one and once submitted, the dreaded 7-10 day popped up with a ref number. I was shocked. My scores are in the high 780's, UTL across all cards only 6%, 9 INQ on Transunion, total credit lines $196,100. I instantly called them and it was just a verification process. Once I talked to the rep I was approved for $9k and instantly a got an alert from trans union. Honestly, I was also looking to pad some more utilization to cross the $200,000 threshold.

I also have a Synchrony 2% World Premier Mastercard as well since 2011 (originally was a ToysRUs Credit Card that converted years ago, don't know if that factored in or not since Ive been with Synchrony for 10 years now)

This will now bump me up to $205,100 across all cards. Whew!

Re: LOWES Approval $9,000

AlanGJP — Tue, 22 Mar 2022 23:21:46 GMT

Congrats! Lowes is one of those that grows QUICK. (My fastest, IKEA is my second) Put a little spend on it hit the CLI love button every 3 months. I've worked mine up to $30k - Don't remember my starting CL, but I think it was lower than yours.

Re: LOWES Approval $9,000

CreditAggie — Wed, 23 Mar 2022 00:50:17 GMT

Congratulations on your Lowe's approval!

Re: LOWES Approval $9,000

Elpadrino1 — Wed, 23 Mar 2022 00:51:40 GMT

Congratulations on your approval!!

Re: LOWES Approval $9,000

FLLGuy — Wed, 23 Mar 2022 00:57:50 GMT

@RT209 Congrats!

If you call them the same day you can recon for a higher amount. If memory serves me correctly, Lowe's ceiling is $30K.

worth a shot if not wait 90 days.

Re: LOWES Approval $9,000

CYBERSAM — Wed, 23 Mar 2022 01:08:10 GMT

Congrats on your approval 🥂🤑👍👍

Re: LOWES Approval $9,000

AlanGJP — Wed, 23 Mar 2022 01:45:51 GMT

@FLLGuy wrote:
@RT209 Congrats!

If you call them the same day you can recon for a higher amount. If memory serves me correctly, Lowe's ceiling is $30K.
worth a shot if not wait 90 days.

My understanding is anything above $35k requires POI. I stopped at $30k just to avoid the trouble.

Re: LOWES Approval $9,000

babygirl1256 — Wed, 23 Mar 2022 02:14:12 GMT

Congrats on your Lowe's card approval.

Re: LOWES Approval $9,000

MartyWrite75 — Wed, 23 Mar 2022 14:51:44 GMT

Awesome! Congratulations on your approval!

Re: LOWES Approval $9,000

MySunrise271 — Wed, 23 Mar 2022 15:29:59 GMT

Congratulations🎉🎉🎉 Lowes has been one of my best cc's. 🙂 I've always been able to land an 18-24 month 0% financing just when I needed to replace windows, doors, appliances or just recently my 20+ yr old central AC🥰 Not to mention the everyday 5% savings. Very generous CLIs, I'm at 15k and will definelty try to grow it to 30k

Re: LOWES Approval $9,000

bigseegar — Wed, 23 Mar 2022 16:00:45 GMT

@AlanGJP wrote:
@FLLGuy wrote:
@RT209 Congrats!

If you call them the same day you can recon for a higher amount. If memory serves me correctly, Lowe's ceiling is $30K.
worth a shot if not wait 90 days.
My understanding is anything above $35k requires POI. I stopped at $30k just to avoid the trouble.

It's $35K you can safely go too without POI. I got there in less than 8 months of having card.

Congrats! You can grow the Lowes card fast but just always remember it's a Sync card so poking the bear is always dangerous and they will shut down cards and CL without warning if they get spooked.

Re: LOWES Approval $9,000

gdale6 — Wed, 23 Mar 2022 16:16:38 GMT

Grats on your Lowes approval

APR is high but they offer cheaper finance offers and those are the ones to take advantage of if you need stuff....

Re: LOWES Approval $9,000

cashorcharge — Wed, 23 Mar 2022 21:20:47 GMT

That's terrific!! Congratulations on your Lowes Approval!! 🎉🥂👏

Re: LOWES Approval $9,000

AlanGJP — Wed, 23 Mar 2022 21:37:42 GMT

@bigseegar wrote:
@AlanGJP wrote:
@FLLGuy wrote:
@RT209 Congrats!

If you call them the same day you can recon for a higher amount. If memory serves me correctly, Lowe's ceiling is $30K.
worth a shot if not wait 90 days.
My understanding is anything above $35k requires POI. I stopped at $30k just to avoid the trouble.
It's $35K you can safely go too without POI. I got there in less than 8 months of having card.

Congrats! You can grow the Lowes card fast but just always remember it's a Sync card so poking the bear is always dangerous and they will shut down cards and CL without warning if they get spooked.

Took me about a year too if I remember correctly. (It's been at 30k for awhile now) By far my fastest growing card. Agreed regarding poking the bear with Sync. I'm keeping mine at $30k, no need for the extra five.

Re: LOWES Approval $9,000

CreditMagic7 — Thu, 24 Mar 2022 06:34:49 GMT

Congratulations on the Lowe's Account Card new approval!

Re: LOWES Approval $9,000

bigseegar — Thu, 24 Mar 2022 13:00:33 GMT

@AlanGJP wrote:
@bigseegar wrote:
@AlanGJP wrote:
@FLLGuy wrote:
@RT209 Congrats!

If you call them the same day you can recon for a higher amount. If memory serves me correctly, Lowe's ceiling is $30K.
worth a shot if not wait 90 days.
My understanding is anything above $35k requires POI. I stopped at $30k just to avoid the trouble.
It's $35K you can safely go too without POI. I got there in less than 8 months of having card.

Congrats! You can grow the Lowes card fast but just always remember it's a Sync card so poking the bear is always dangerous and they will shut down cards and CL without warning if they get spooked.
Took me about a year too if I remember correctly. (It's been at 30k for awhile now) By far my fastest growing card. Agreed regarding poking the bear with Sync. I'm keeping mine at $30k, no need for the extra five.

Yeah, I kinda wish I had just stayed at $25K myself now lol