topic Re: Lowes Prequalify ? in Credit Card Applications

Lowes Prequalify ?

Anonymous — Wed, 19 May 2021 02:10:52 GMT

I have read on here about the Lowes prequalify via SP. I used the prequalify portal and received an APR % but not credit line. Is

this normal as I have read most people receive an amount as well?

Re: Lowes Prequalify ?

Ficoproblems247 — Wed, 19 May 2021 02:28:28 GMT

I gave it a whirl the other day just for fun. I hit up pre-approval sites when I get bored in the garden lol. It gave me an amount with my pre-approval.

Re: Lowes Prequalify ?

creditguy86 — Wed, 19 May 2021 02:30:48 GMT

So when I applied earlier this week, they gave me a credit limit and apr. Not sure what's going, look up a back door number and give them a call.

Re: Lowes Prequalify ?

FinStar — Wed, 19 May 2021 02:38:18 GMT

It's likely a glitch of some sort. Try clearing cookies/cache or a different browser and see if that works.

Re: Lowes Prequalify ?

Roadgeek395 — Sat, 10 Jul 2021 19:16:23 GMT

Same thing happened to me. Only shows APR. I tried it on different web browsers with the same result

Re: Lowes Prequalify ?

Crowhelm — Sun, 11 Jul 2021 17:49:16 GMT

That is pretty odd. When I did it a couple of weeks back I got the credit amount and APR as well.

Re: Lowes Prequalify ?

Roadgeek395 — Sun, 11 Jul 2021 17:59:35 GMT

@Crowhelm wrote:
That is pretty odd. When I did it a couple of weeks back I got the credit amount and APR as well.

Yeah that is odd. Same thing happened with the nasa credit union "check my rate" tool. It only showed APR. Lots of other people said it showed APR and SL. I guess I'm just unlucky...

Re: Lowes Prequalify ?

Crowhelm — Sun, 11 Jul 2021 18:24:58 GMT

Is your credit file in rebuild or fairly new? Just guessing at reasons. But then again Discover only offered me nothing but their secured card, so there is that. No rhyme or reason it seems.

Re: Lowes Prequalify ?

Roadgeek395 — Sun, 11 Jul 2021 18:57:12 GMT

@Crowhelm wrote:
Is your credit file in rebuild or fairly new? Just guessing at reasons. But then again Discover only offered me nothing but their secured card, so there is that. No rhyme or reason it seems.

My credit is a little over 3 years old. Not in rebuild. The FNBO pre qualify tool worked just fine for me. Showed me APR and SL

Re: Lowes Prequalify ?

Crowhelm — Sun, 11 Jul 2021 21:32:14 GMT

@Roadgeek395 wrote:
My credit is a little over 3 years old. Not in rebuild. The FNBO pre qualify tool worked just fine for me. Showed me APR and SL

Is that your oldest account at a little over 3 years or your average age of accounts? Because my oldest account is over 6 years old and I still get points deducted for having a short credit history. But as I said, sometimes you are just scratching your head who gets approved and who doesn't. Banks adopted the Fico score stuff yet they don't stick to it. Maybe just try it again another day? Maybe just a glitch on the website?

Re: Lowes Prequalify ?

KLEXH25 — Sun, 11 Jul 2021 22:37:45 GMT

I just tried it to see and it gave me an $8,000 SL, which incidentally was the same SL Synchrony gave me for my PPMC.

Lowes 7-10 day message?

Anonymous — Mon, 12 Jul 2021 06:29:45 GMT

I applied for the Lowes card and received the 7-10 message. Anyone else gotten this? I have one other Synchrony card with a

12K limit and $400 balance. I cant recall if i had this issue when applying for CareCredit. Current Transunion fico is about 700. Should I wait for the letter or call them Monday?

UPDATE:

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Lowes-Approval-but-a-CLI-Question/td-p/6368049

Re: Lowes 7-10 day message?

JNA1 — Mon, 12 Jul 2021 02:03:32 GMT

@Anonymous wrote:
I applied for the Lowes card and received the 7-10 message. Anyone else gotten this? I have one other Synchrony card with a
12K limit and $400 balance. I cant recall if i had this issue when applying for CareCredit. Current Transunion fico is about 700. Should I wait for the letter or call them Monday?

I imagine even if you call them tomorrow, they tell you to wait for the letter.

Re: Lowes Prequalify ?

PicoFico — Mon, 12 Jul 2021 02:47:06 GMT

So I just tried it and got an APR only, but I also have my 3rd party reports frozen (LexisNexis, Sage stream, etc). I've read those need to be unlocked for Lowe's pre-approval. Maybe that's the hang up?

Re: Lowes Prequalify ?

FinStar — Mon, 12 Jul 2021 04:01:53 GMT

@PicoFico wrote:
So I just tried it and got an APR only, but I also have my 3rd party reports frozen (LexisNexis, Sage stream, etc). I've read those need to be unlocked for Lowe's pre-approval. Maybe that's the hang up?

It appears that even with unfrozen SageStream reports, the "glitch" still occurs, so I don't think that's the culprit.

Re: Lowes Prequalify ?

PicoFico — Mon, 12 Jul 2021 04:32:17 GMT

@FinStar wrote:
@PicoFico wrote:
So I just tried it and got an APR only, but I also have my 3rd party reports frozen (LexisNexis, Sage stream, etc). I've read those need to be unlocked for Lowe's pre-approval. Maybe that's the hang up?
It appears that even with unfrozen SageStream reports, the "glitch" still occurs, so I don't think that's the culprit.

That concludes my ideas on the matter...