topic Re: I hate my Lowes card in Credit Card Applications

I hate my Lowes card

Anonymous — Mon, 16 May 2016 00:12:38 GMT

A few months ago I had a mini spree. I got 2 USAA visas SL of 7k and 8k, AMEX Hilton Honors SL 5k and a Lowes card SL $800. I tried for a CLI right away but turned down. Came home and saw they pulled TU which was 50 points lower than the other 2 CRs. So today my TU is up 39 pts to 682. Tonight I requested a CLI and got a message that they couldn't increase the account. 248k income. Not really impressed with Sync. I'll give it another month but if no CLI I'll close the account and go to Home Depot.

Re: I hate my Lowes card

Anonymous — Mon, 16 May 2016 00:17:01 GMT

Sorry to hear. What was the reason for denying the CLI? I suggest you give it a bit more time as the Home Depot card isn't known for it's big limits like Lowes if that is what you are yearning for.

Re: I hate my Lowes card

belle6m2k — Mon, 16 May 2016 00:26:43 GMT

Hmmm.. Not sure what they are not seeing. My Snycs CLI go up quicker and for more than any of my others. Commenity is the stingiest of my store cards.

Re: I hate my Lowes card

Anonymous — Mon, 16 May 2016 00:30:08 GMT

how did u ask for the CLI. Often times chat and luv button are a nogo. But then u call credit solutions and that works. I've had that happen that way for me a couple times.

Re: I hate my Lowes card

Anonymous — Mon, 16 May 2016 00:34:05 GMT

I hit the no-luv button

Re: I hate my Lowes card

Anonymous — Mon, 16 May 2016 00:38:59 GMT

@Anonymous wrote:
I hit the no-luv button

Then all is not lost yet. Call credit solutions as the other poster suggested.

Re: I hate my Lowes card

coldnmn — Mon, 16 May 2016 00:57:23 GMT

Call Credit Solutions ask for $25k
877-379-8173

Re: I hate my Lowes card

Anonymous — Mon, 16 May 2016 01:17:53 GMT

OP, while your income is certainly substantial, your credit score is an area of opportunity with respect to what Synchrony likes to see. If your TU is up 39 points it means you were 640ish when approved? Tough to get a hefty SL or a recon CLI at that number, even though your income is plentiful. Around 700 is where most that have gotten a Lowe's card have reported around $5k SL's with $15k CLI's instantly after approval... and if you're in the 730+ range you can double those numbers; $10k SL and $30k recon isn't uncommon.

I suggest keeping the card and working on your scores and once you see your TU north of 700 go for a CLI, then when you get it around 730 do it again. Sure it may take you 6 months to get there, but you'll still get to the limit you want with Lowe's faster than if you ditch it and go HD instead.

Re: I hate my Lowes card

Anonymous — Mon, 16 May 2016 01:37:20 GMT

The luv button has never worked for me for any of my Sync cards. Use chat or call credit solutions, as previous posters have said. I used chat for mine. My CL went from $300 to $6000 in Feb. I got my card in Nov. Never used it until then.

Re: I hate my Lowes card

Anonymous — Mon, 16 May 2016 01:38:20 GMT

I always have to call in for mine for the best results.

Re: I hate my Lowes card

Anonymous — Mon, 16 May 2016 01:45:54 GMT

I called in. 3k-35k in 2minutes.

Re: I hate my Lowes card

Anonymous — Mon, 16 May 2016 02:44:44 GMT

I wouldn't worry. If your score was on the low side, wait a bit and ask credit solutions for a cli. I would ask for 35k. I was too chicken since the lady on the phone asked me if that was 2.5k or 25k! Freaked me out and I only asked for the 25k. Make sure you have another 1/2 cards with high limits. It helps.

Re: I hate my Lowes card

Anonymous — Mon, 16 May 2016 02:51:13 GMT

I personally did not have any other cards with high limits at the time. Lowe's was my first high credit limit. My other limits were 3k. that they could see reporting. That day I also got 5500, 20k, 10k, 5k (CLI) on other apps/cards. It was a great day.

Re: I hate my Lowes card

BigBS — Mon, 16 May 2016 11:23:30 GMT

I have found them to new account sensitive (along with others). Have requested a CLI twice since a spree of 4 cards and CLOC in December and January and denied on all methods (luv button, chat, and Credit Solutions) for new accounts and/or usage. Have plenty of credit and scores in the 800s, so perhaps less of an issue for me. Going to wait until the new stuff is 6 months old and try again.

Re: I hate my Lowes card

MyLoFICO — Mon, 16 May 2016 13:27:34 GMT

@Anonymous wrote:
I hit the no-luv button

That is what is wrong. Luv button doesn't work on any of my Synch accounts. Call CS. You should get atleast 8k. Ask for 25k.

Re: I hate my Lowes card

ddemari — Mon, 16 May 2016 23:24:49 GMT

Op like everyone else said, call credit solutions.

Re: I hate my Lowes card

Anonymous — Tue, 17 May 2016 00:29:05 GMT

I called Credit Solutions today and asked for $25k. After about 30 seconds he came back and said sorry I can not increase your limit to $25k. The best I can do is $12k. That will work. Just wanted enough to put new appliances on to get the 5% discount.

Re: I hate my Lowes card

Anonymous — Tue, 17 May 2016 00:36:01 GMT

Congrats Vortexeng! I use it for the financing promo instead of the 5%. Watch for deals you can sometimes do a 10% off purchase and combine the financing. Change of address mailers will sometimes have a coupon in them. Lol. I just goto my post office n grab them.

Re: I hate my Lowes card

elim — Tue, 17 May 2016 00:37:19 GMT

@Anonymous wrote:
I called Credit Solutions today and asked for $25k. After about 30 seconds he came back and said sorry I can not increase your limit to $25k. The best I can do is $12k. That will work. Just wanted enough to put new appliances on to get the 5% discount.

Congrats... In a couple months call again and ask for 30k. Easy Peazy.

Re: I hate my Lowes card

Anonymous — Tue, 17 May 2016 00:43:30 GMT

@Anonymous wrote:
I called Credit Solutions today and asked for $25k. After about 30 seconds he came back and said sorry I can not increase your limit to $25k. The best I can do is $12k. That will work. Just wanted enough to put new appliances on to get the 5% discount.

Awesome. Glad it worked out for you.