topic Denied Lowe’s due to “Lack of Real Estate Loans” in Credit Card Applications https://ficoforums.myfico.com/t5/Credit-Card-Applications/Denied-Lowe-s-due-to-Lack-of-Real-Estate-Loans/m-p/6296204#M289299 <P>Has anyone else ever encountered this? I thought Lowe's was fairly easy. I didn't know they are requiring a mortgage now or a previous one. I definitely use Lowe's tons for projects around the house. The house was paid for in cash. What gives?</P> Mon, 05 Apr 2021 18:00:14 GMT Anonymous 2021-04-05T18:00:14Z Denied Lowe’s due to “Lack of Real Estate Loans” https://ficoforums.myfico.com/t5/Credit-Card-Applications/Denied-Lowe-s-due-to-Lack-of-Real-Estate-Loans/m-p/6296204#M289299 <P>Has anyone else ever encountered this? I thought Lowe's was fairly easy. I didn't know they are requiring a mortgage now or a previous one. I definitely use Lowe's tons for projects around the house. The house was paid for in cash. What gives?</P> Mon, 05 Apr 2021 18:00:14 GMT https://ficoforums.myfico.com/t5/Credit-Card-Applications/Denied-Lowe-s-due-to-Lack-of-Real-Estate-Loans/m-p/6296204#M289299 Anonymous 2021-04-05T18:00:14Z Re: Denied Lowe’s due to “Lack of Real Estate Loans” https://ficoforums.myfico.com/t5/Credit-Card-Applications/Denied-Lowe-s-due-to-Lack-of-Real-Estate-Loans/m-p/6296216#M289302 <P>They're using VS4 in a variety of cases for applications.&nbsp; It used to be easier before VS4 came into play.&nbsp; And, while the presence of a mortgage loan is not required for a Lowe's CC (since we know lots of folks qualify without it), it boils down to other factors associated with your overall profile.</P> Mon, 05 Apr 2021 18:15:48 GMT https://ficoforums.myfico.com/t5/Credit-Card-Applications/Denied-Lowe-s-due-to-Lack-of-Real-Estate-Loans/m-p/6296216#M289302 FinStar 2021-04-05T18:15:48Z Re: Denied Lowe’s due to “Lack of Real Estate Loans” https://ficoforums.myfico.com/t5/Credit-Card-Applications/Denied-Lowe-s-due-to-Lack-of-Real-Estate-Loans/m-p/6296407#M289325 <P>That's likely not the actual reason. Capital one denied me a limit increase for "credit card balances" when I had only $400 total reporting. Sometimes I think they just pick something randomly to use.&nbsp;</P> Mon, 05 Apr 2021 21:45:31 GMT https://ficoforums.myfico.com/t5/Credit-Card-Applications/Denied-Lowe-s-due-to-Lack-of-Real-Estate-Loans/m-p/6296407#M289325 Duriel 2021-04-05T21:45:31Z