topic Re: Lowes Credit Card Approval/ Increase Question in Credit Card Applications

Lowes Credit Card Approval/ Increase Question

Anonymous — Fri, 27 Sep 2019 15:59:01 GMT

How is the easiest way to get a credit line increase with Lowes

Re: Lowes Credit Card Approval/ Increase Question

Anonymous — Thu, 26 Sep 2019 17:26:09 GMT

Which bureau do they sp for cli? Is it trans like a new app?

Re: Lowes Credit Card Approval/ Increase Question

Anonymous — Fri, 27 Sep 2019 16:44:44 GMT

Synchrony Bank is almost completely TU-score driven, and they use TU for credit decisions online and on the phone (I’ve seen it told that they pull EX for in-store approvals but can’t say that for sure, as I applied online).

The easiest way to get an increase is to have your TU score as high as you can. Mine was around 640 when I was approved for $300. A little less than four months later, I had made and paid off a few purchases for probably a hair under $100 combined and was able to get increased to $6000. I did my requests online. You have to call credit solutions to go above $25,000 from what I’ve heard - the luv button tops out there.

Re: Lowes Credit Card Approval/ Increase Question

Anonymous — Thu, 26 Sep 2019 20:38:25 GMT

@ImTheDevil

I believe I called the credit solutions monday to get an increase on my sync card and was told unable to receive an increase. Last one I got was about 2 mths ago. TU score is above 720. It was a sp so I said why not. If its denied do you recommend calling and talking to someone else

Re: Lowes Credit Card Approval/ Increase Question

Anonymous — Thu, 26 Sep 2019 20:46:14 GMT

Nope, hold off a bit. There are people who have gotten CLIs close together but I’m thinking it’s because when they got their previous one, they left money on the table. At least for Lowe’s, Synch is known for a four month interval between increases. I’m thinking someone who got a jump from $1k to $4k, and then to $7k a month later, likely could’ve gotten the full $7k the first time and just didn’t ask for enough.

When I asked for mine, I just put $1000 in and it was instantly approved, so I put in $5000 and that was instantly approved. Then I put in $10,000 and was countered at $6000. Had I asked for $10k (or the $25k that is always advised), I would’ve gotten the $6k the first time.

I bought a stove and a microwave after my increase on the 12-month, zero percent financing offer. I’ll pay it off before mid-November and go buy a washer and dryer on the 2-for-1 they typically offer on Black Friday. Then I’ll hit em up for $25k and hope they’ll counter between $10k and $17k.

Re: Lowes Credit Card Approval/ Increase Question

Anonymous — Thu, 26 Sep 2019 20:52:13 GMT

Funny thing is about the last increase if I remember correctly, I was denied when I called and then maybe a week later I logged in to see how much I had available(was looking for a tv) and noticed they increased it by 2.5k. But I hear you about the holding off and maybe try in November before black friday like you stated

Re: Lowes Credit Card Approval/ Increase Question

HighAchiever — Fri, 27 Sep 2019 00:03:43 GMT

I applied in June and got approved for $1k. Per this forums advise, I called immediately and received a CLI to 25k. FYI, at the time my TU score was around 760ish...

Re: Lowes Credit Card Approval/ Increase Question

Anonymous — Fri, 27 Sep 2019 00:29:14 GMT

I recently got my Lowe’s card. Approved for $2k. I called the overseas number and was declined a cli. Said they need to see history. 2 days later I called the other number and asked for $15k. Was approved. Knowing I left some on the table I called back 2 days later the same number and asked for $30k. Instantly approved. I said I was looking to do a kitchen remodel and had no idea how much a kitchen costed. She giggled, told me you know have $30k I giggled. Good times

Re: Lowes Credit Card Approval/ Increase Question

HighAchiever — Fri, 27 Sep 2019 02:10:48 GMT

Yeah, that's what I said and I don't even have a house... 😂 #GoodTimes 🙌🏻 🙌🏻

Re: Lowes Credit Card Approval/ Increase Question

Anonymous — Fri, 27 Sep 2019 10:34:41 GMT

What numbers did you call @Hulkcreditsmash

Re: Lowes Credit Card Approval/ Increase Question

Anonymous — Fri, 27 Sep 2019 16:26:41 GMT

877-379-8175

Re: Lowes Credit Card Approval/ Increase Question

Anonymous — Sat, 28 Sep 2019 04:52:41 GMT

@treyhicks

On the back door page I called the sync overseas number 877-379-8173 with no luck.

866-519-6441 This is the number I called both times with success. Not sure if it matters but both times I called late at night.

Re: Lowes Credit Card Approval/ Increase Question

Meanmchine — Sun, 29 Sep 2019 01:09:26 GMT

@Anonymous wrote:
How is the easiest way to get a credit line increase with Lowes

Raise your TU score

Re: Lowes Credit Card Approval/ Increase Question

Aspireto850 — Sat, 05 Oct 2019 05:55:58 GMT

Not to get off topic but off topic:

Synchrony has been all over the board for me. They accessed the following:

Experian: Conns (Texas based appliance center) and Car Credit
TU: Amazon store card
EQ: Lowe’s Business, PayPal Credit

Re: Lowes Credit Card Approval/ Increase Question

Momagain — Sun, 06 Oct 2019 02:50:47 GMT

I had the exact same sceanrio and requested amounts, approvals and counter of $6000 when I asked for $10,000!

Re: Lowes Credit Card Approval/ Increase Question

MyFault — Mon, 07 Oct 2019 04:27:25 GMT

Subscribed. I'm looking to grab this card soon. Love hearing about the great increases everyone gets.

Re: Lowes Credit Card Approval/ Increase Question

Anonymous — Mon, 07 Oct 2019 10:25:24 GMT

I was approved at $300. Used the card and PIF a few times for around $100 total. Just before four months was up, I asked for $1000 and it was granted. Asked a second time for $5000 and was granted. Asked a third time for $10,000 and was countered at $6000. Bought a stove and a microwave on the 12 months 0% offer. I’ll pay it off by Thanksgiving, at which time it’ll have been another four months (and I have removed a derog from TU and am waiting now to see if my final derog will be removed). At the next window I’ll ask for $25k as I want to get a shed and also a washer and dryer (on the 2-for-1 type sale they always do on Black Friday weekend for those), and hopefully it all lines up and I can boost it to at least $15k.

Does anyone have any anecdotal breakdown on what income levels correspond to what limits with Lowe’s, assuming a clean TU?

Re: Lowes Credit Card Approval/ Increase Question

GApeachy — Tue, 08 Oct 2019 12:32:23 GMT

@Anonymous wrote:
At the next window I’ll ask for $25k as I want to get a shed I bought one of their sheds....love it! Esp. on the promotional.
Does anyone have any anecdotal breakdown on what income levels correspond to what limits with Lowe’s, assuming a clean TU? For my neighbor he went from 5K, I believe to 32K just N. of 97K personal income, self-employed...don't remember if that was asked regarding employment.

Re: Lowes Credit Card Approval/ Increase Question

Anonymous — Mon, 07 Oct 2019 11:13:53 GMT

Awesome @LauraC, thank you

Re: Lowes Credit Card Approval/ Increase Question

GApeachy — Mon, 07 Oct 2019 11:23:39 GMT

@Anonymous wrote:
Awesome @LauraC, thank you

Also wanted to add that neither one reported an income change.