topic Re: LOWES in Credit Cards

LOWES

Anonymous — Sun, 16 Apr 2017 22:05:57 GMT

Does anyone know the OVERSEAS credit solutions number for Lowes......

Re: LOWES

Anonymous — Mon, 17 Apr 2017 04:47:43 GMT

Don't be skeered.

Re: LOWES

austinguy907 — Mon, 17 Apr 2017 04:08:34 GMT

877-379-8173 --- this is the one for the overseas CC..... I think I know why you asked for it too

Re: LOWES

Anonymous — Mon, 17 Apr 2017 04:30:42 GMT

@austinguy907 wrote:
877-379-8173 --- this is the one for the overseas CC..... I think I know why you asked for it too

Lol...I thought about it but decided against it...I am gardening. It takes discipline not to, but I have a goal in mind and use that as my principle

Re: LOWES

Anonymous — Mon, 17 Apr 2017 04:46:51 GMT

I don't have a Lowes card...don't need one unless I can get a high SL for util

Re: LOWES

Anonymous — Mon, 17 Apr 2017 04:51:33 GMT

I have a Lowes card. Began at a $2k SL. Now sits at $25k. All through luv button. Sure did help me get several other cards $10k and above.

Re: LOWES

Anonymous — Mon, 17 Apr 2017 04:55:45 GMT

Yeah, I have a Wally card @6k...started with 1500. I'm gonna give it a rest for a while, then hit embup for a Lowes

Re: LOWES

Anonymous — Mon, 17 Apr 2017 05:45:14 GMT

How long it take ya to get to 25k?

Re: LOWES

Anonymous — Mon, 17 Apr 2017 06:00:31 GMT

I'd say 1.5 years. But the ascent from $2k to $25k was about 3 weeks. Asked for 3 CLIs via luv button. I was skeered to ax fo da maximum.

Re: LOWES

Anonymous — Mon, 17 Apr 2017 06:04:13 GMT

Wat is the max

Re: LOWES

MyLoFICO — Mon, 17 Apr 2017 07:00:43 GMT

35k. Synch seems to rely heavily on credit score to get the big limits. What is your TU FICO 8?

Re: LOWES

Anonymous — Mon, 17 Apr 2017 10:11:38 GMT

@MyLoFICO wrote:
35k. Synch seems to rely heavily on credit score to get the big limits. What is your TU FICO 8?

688

Re: LOWES

K-in-Boston — Mon, 17 Apr 2017 13:48:08 GMT

@Anonymous wrote:
How long it take ya to get to 25k?

Just to add another data point... Approved in November for (I think it was) $4500. Called Credit Solutions immediately after applying (really, it was less than 5 minutes later) and asked for $25,000. Counter-offer was $17,000 (I had just moved my Amazon Prime Store Card with them up from $4500 to $12,000 the month before - that may have had something to do with it). Fast-forward to this month, and at the 5 month mark I hit the CLI button on the website and asked for $25k - immediately approved. All of this after 6 yearly HPs from CBNA who would never raise my Home Depot card above $1250 when used and paid heavily.

Re: LOWES

Anonymous — Mon, 17 Apr 2017 15:42:17 GMT

K-in-Boston.....thanks for the DP's on this. May I ask what your scores were at the time of approval? I'm in Illinois so I believe they pull TU and EX....I'm just under 700 on both and have 20+ inq on both.

Re: LOWES

Anonymous — Mon, 17 Apr 2017 15:45:30 GMT

Ps...I do have a wally card 6k....car care 2500. 2 furniture cards @1k a piece with synch, files all good

Re: LOWES

Anonymous — Mon, 17 Apr 2017 15:50:33 GMT

Meatman- if it helps my scores wasn't much higher than yours when I apped about 6 weeks ago. TU was 701, EQ was in the 680's. Was approved for 700, called and asked for 25k, they countered with 12k.

Re: LOWES

K-in-Boston — Mon, 17 Apr 2017 16:00:59 GMT

@Anonymous wrote:
K-in-Boston.....thanks for the DP's on this. May I ask what your scores were at the time of approval? I'm in Illinois so I believe they pull TU and EX....I'm just under 700 on both and have 20+ inq on both.

Synchrony pulled TU for me on the app (I am in MA). Just pulled up the history on CCT... At the time, my TU 08 score would have been around 723 with 5 INQ (2 in previous 6 months), AAoA about 9 years, oldest 23 years, overall util around 30%. Other than a lot of new accounts added the past 2 years and a lot of debt, I have a strong, very thick profile and a healthy income that usually overcomes those challenges - so I'm not sure if I am a great data point here. However, I have seen a number of $17k-$25k Lowe's lines for others that are comparable or a little lower on scores than you - granted we're not all that far apart, but 700, 720, and 740 seem to be quite different with many lenders.

Re: LOWES

MyLoFICO — Mon, 17 Apr 2017 16:04:21 GMT

@Anonymous wrote:
I don't have a Lowes card...don't need one unless I can get a high SL for util

I would not app one if I were you. Garden and let your current CL's grow. Too many store cards is bad. You are apping cards just to app and pad your UTIL. This is a bad sign. Pay your bills down and let your scores recover. Then app for a card you can actually use, a major card.

Re: LOWES

MyLoFICO — Mon, 17 Apr 2017 16:05:33 GMT

@Anonymous wrote:
@MyLoFICO wrote:
35k. Synch seems to rely heavily on credit score to get the big limits. What is your TU FICO 8?

688

That won't support a big limit. I am guessing you might be able to recon to 6k, that's if you don't get declined.

Re: LOWES

Anonymous — Mon, 17 Apr 2017 16:55:11 GMT

@MyLoFICO wrote:
@Anonymous wrote:
I don't have a Lowes card...don't need one unless I can get a high SL for util
I would not app one if I were you. Garden and let your current CL's grow. Too many store cards is bad. You are apping cards just to app and pad your UTIL. This is a bad sign. Pay your bills down and let your scores recover. Then app for a card you can actually use, a major card.

Thats great advice and advice I am going to heed. I really appreciate this forum. Thanks MyLoFICO