topic Re: Lowes CC in Credit Card Applications

Lowes CC

Anonymous — Fri, 08 May 2015 00:50:28 GMT

Are they pretty INQ sensitive and what will they pull?

Re: Lowes CC

Anonymous — Fri, 08 May 2015 00:50:52 GMT

In KS. If that helps

Re: Lowes CC

Anonymous — Fri, 08 May 2015 00:51:55 GMT

@Anonymous wrote:
Are they pretty INQ sensitive and what will they pull?

Not really. They mostly pull TU. How many inquiries do you have on there?

Re: Lowes CC

Anonymous — Fri, 08 May 2015 00:53:14 GMT

14 4 are set to fall off next month

Re: Lowes CC

Anonymous — Fri, 08 May 2015 00:54:26 GMT

@Anonymous wrote:
14 4 are set to fall off next month

So are the remaining 10 from the last 6 months?

Re: Lowes CC

Anonymous — Fri, 08 May 2015 00:55:49 GMT

oh no not in the last 6 months.. I'm thinking 6 are tho. From Chase and mortgage.

Re: Lowes CC

Anonymous — Fri, 08 May 2015 00:56:08 GMT

Yolo? Or no go.. Lmao..

Re: Lowes CC

Anonymous — Fri, 08 May 2015 00:58:42 GMT

Correction 7 in the past 6 months

Re: Lowes CC

Anonymous — Fri, 08 May 2015 01:00:48 GMT

Shoot for it

Re: Lowes CC

Anonymous — Fri, 08 May 2015 01:02:22 GMT

I'll be right back.

Re: Lowes CC

Anonymous — Fri, 08 May 2015 01:03:29 GMT

@Anonymous wrote:
Yolo? Or no go.. Lmao..

YOLO... You should be fine. Give it a shot should you decide and report back. The good thing even if you get approved for a small limit, you can call credit solutions and get it raised. Lets do it.

Re: Lowes CC

Anonymous — Fri, 08 May 2015 01:05:06 GMT

Ew 500$ limit...

Re: Lowes CC

Anonymous — Fri, 08 May 2015 01:05:17 GMT

Recon!?

Re: Lowes CC

Anonymous — Fri, 08 May 2015 01:09:07 GMT

@Anonymous wrote:
Recon!?

Call credit solutions right now and you are going to tell them you just bought a house and will like to have the limit on the card raised. If they ask how much, say 25k and they can work it down if it is too high base on your profile.

Remember, when negotiating always start with a big number so that they can meet you in the middle Now go and report back with results.

This is the number -/Credit Dept.: 800-444-1408

Re: Lowes CC

Anonymous — Fri, 08 May 2015 02:00:09 GMT

Called and asked for 15k limit.. Tried to stay semi coinsertive... Was placed on hold and he came back saying "at this time we cannot approve you for the 15k" didn't counter with a lower CL.. Hmmm

Re: Lowes CC

Anonymous — Fri, 08 May 2015 02:01:07 GMT

TU score of 667 took a few hits from INQs.

Re: Lowes CC

Anonymous — Fri, 08 May 2015 02:12:47 GMT

@Anonymous wrote:
Called and asked for 15k limit.. Tried to stay semi coinsertive... Was placed on hold and he came back saying "at this time we cannot approve you for the 15k" didn't counter with a lower CL.. Hmmm

Sorry to hear.. What was the reason and what did you tell them on the phone?

Re: Lowes CC

Anonymous — Fri, 08 May 2015 02:09:14 GMT

He said they'll be sending out a letter.. I kinda feel like calling again. 500 CL is pretty weak.. Especially at lowes.

Re: Lowes CC

Anonymous — Fri, 08 May 2015 02:15:13 GMT

@Anonymous wrote:
He said they'll be sending out a letter.. I kinda feel like calling again. 500 CL is pretty weak.. Especially at lowes.

You feel? No, you will be calling again and again. Call back tomorrow and let them know you just closed on a mortgage and $500 will not do anything for you. I am surprised they didn't counter.

So get ready to call until your way to higher limit..

Re: Lowes CC

Anonymous — Mon, 20 Jul 2015 20:49:58 GMT

I applied and got approved for $700. I called the number in this thread, asked for $30k and they countered with $6. I'm happy.