topic Re: Lowes account access Update synch closed my lowes card in Credit Cards

Lowes account access Update synch closed my lowes card

Jnbmom — Sun, 24 May 2020 00:16:30 GMT

I figured I had better use these cards before the dreaded closure happens for non use. Well obviously I haven't used in quite some time. I tried to look up my user ID and tried to enter my card number and DOB. States it needs to be 16 digits, well card has only 14 digits?

What am I missing here?

Re: Lowes account acess

AverageJoesCredit — Sat, 23 May 2020 23:49:34 GMT

2 digits?

Re: Lowes account acess

Jnbmom — Sun, 24 May 2020 00:01:11 GMT

@AverageJoesCredit wrote:
2 digits?

LOL

Nevermind, they closed both our accounts 35K down the drain...........................................

Edit his is still open but I can't access it with 14 digits grrrrrr

Re: Lowes account acess

CreditobsessedinFL — Sat, 23 May 2020 23:56:45 GMT

@Jnbmom wrote:
@AverageJoesCredit wrote:
2 digits?
LOL

Nevermind, they closed both our accounts 35K down the drain...........................................

Sorry.

Re: Lowes account acess

K-in-Boston — Sun, 24 May 2020 00:13:10 GMT

Sorry to hear about the other account. For the one still open, are you on the right Lowe's card page? My card is also 14 digits (Lowe's Visa Rewards card is 16, Lowe's Amex would be 15). The one for Synchrony is here and asks for card number and ZIP Code, rather than DOB:

https://lowes.syf.com/eSecurity/Login/login.action?clientId=lowes&accountType=generic&langId=en

Edit: Changed link because direct link didn't seem to work. Click Find User ID.

Re: Lowes account acess

Jnbmom — Sun, 24 May 2020 00:22:01 GMT

@K-in-Boston wrote:
Sorry to hear about the other account. For the one still open, are you on the right Lowe's card page? My card is also 14 digits (Lowe's Visa Rewards card is 16, Lowe's Amex would be 15). The one for Synchrony is here and asks for card number and ZIP Code, rather than DOB:
https://lowes.syf.com/eSecurity/Login/login.action?clientId=lowes&accountType=generic&langId=en

Edit: Changed link because direct link didn't seem to work. Click Find User ID.

@K-in-Boston

Thanks I had him call, I know reps are working from home but this sounded like the person was on the freeway LOL.

Anyway got account restored, our last payment was in February 2020, so that's why he is still active thank goodness. Mine hasn't been used in over a year. Funny I went to lowes last week to purchase a shower head and "thought" I used my card, but I am an AU on his and that's the card I apparently used . Oh well probably would have not worked since they stated my card was close b/c of inactivity on 5/9/20.

Use your cards peeps or they will shut you down............................................

Re: Lowes account access Update synch closed my lowes card

Anonymous — Sun, 24 May 2020 00:29:46 GMT

sorry for the closure ☹️ but just an fyi for lowe's store cards online if it asks for 16 digits you ad 79 to the beginning of your card number 🙂

Re: Lowes account access Update synch closed my lowes card

Jnbmom — Sun, 24 May 2020 00:31:17 GMT

@Anonymous wrote:
sorry for the closure ☹️ but just an fyi for lowe's store cards online if it asks for 16 digits you ad 79 to the beginning of your card number 🙂

@Anonymous

Thanks for the tip

Re: Lowes account access Update synch closed my lowes card

AverageJoesCredit — Sun, 24 May 2020 00:45:03 GMT

Man sorry @Jnbmom im not a fan of just closing a card because of low usage, 2 years sure close away, but dang if you arent late or running mad balance, let your client be. But at the end its their card. As sad as it is, just let you use another lenders card so shame on them for possibly losing a customer

Re: Lowes account access Update synch closed my lowes card

Guyatthebeach — Sun, 24 May 2020 00:49:41 GMT

Sorry to hear about the account closure. It happens to the best of us.

I keep a spreadsheet of all my credit cards and set up a reminder in Outlook to use the sock drawered credit cards, so they don't close of inactivity.

Guyatthebeach

Re: Lowes account access Update synch closed my lowes card

Jnbmom — Sun, 24 May 2020 00:52:09 GMT

@AverageJoesCredit wrote:
Man sorry @Jnbmom im not a fan of just closing a card because of low usage, 2 years sure close away, but dang if you arent late or running mad balance, let your client be. But at the end its their card. As sad as it is, just let you use another lenders card so shame on them for possibly losing a customer

Yes the card just turned a year old 4/2020. I think I used it once when I first got, so yes no usage in about over a year , but oh well it is what it is........................................

Re: Lowes account acess

M_Smart007 — Sun, 24 May 2020 00:51:32 GMT

@Jnbmom wrote:
@K-in-Boston wrote:
Sorry to hear about the other account. For the one still open, are you on the right Lowe's card page? My card is also 14 digits (Lowe's Visa Rewards card is 16, Lowe's Amex would be 15). The one for Synchrony is here and asks for card number and ZIP Code, rather than DOB:
https://lowes.syf.com/eSecurity/Login/login.action?clientId=lowes&accountType=generic&langId=en

Edit: Changed link because direct link didn't seem to work. Click Find User ID.

@K-in-Boston

Thanks I had him call, I know reps are working from home but this sounded like the person was on the freeway LOL.

Anyway got account restored, our last payment was in February 2020, so that's why he is still active thank goodness. Mine hasn't been used in over a year. Funny I went to lowes last week to purchase a shower head and "thought" I used my card, but I am an AU on his and that's the card I apparently used . Oh well probably would have not worked since they stated my card was close b/c of inactivity on 5/9/20.

Use your cards peeps or they will shut you down............................................

Sorry @Jnbmom .. killing me to read all this

Last week I ordered online (2) 5 gallon buckets and a pack of Gardening gloves.

Gotta lot of "Gardening" to do

Re: Lowes account access Update synch closed my lowes card

AverageJoesCredit — Sun, 24 May 2020 00:53:49 GMT

I know my Home Depot hasnt been used in well over a year. Im just too lazy to go there. Would i love to use the card online to show usage? Dang right i would but lol, i cant even order online as they wont even ship here to PR. Dumbies but at least i KNOW it can be closed at any day.

Re: Lowes account access Update synch closed my lowes card

kdm31091 — Sun, 24 May 2020 02:16:08 GMT

@AverageJoesCredit wrote:
I know my Home Depot hasnt been used in well over a year. Im just too lazy to go there. Would i love to use the card online to show usage? Dang right i would but lol, i cant even order online as they wont even ship here to PR. Dumbies but at least i KNOW it can be closed at any day.

Well it sounds like the card is basically useless to you anyway outside of maybe some padding, so if they close it, no big deal.

I think simply keeping a card active may not be enough anymore with some banks. They want to see real sustained usage of the credit lines, and if they aren't seeing it, CLDs happen eventually.

Re: Lowes account access Update synch closed my lowes card

Jnbmom — Sun, 24 May 2020 02:51:49 GMT

@kdm31091 wrote:
@AverageJoesCredit wrote:
I know my Home Depot hasnt been used in well over a year. Im just too lazy to go there. Would i love to use the card online to show usage? Dang right i would but lol, i cant even order online as they wont even ship here to PR. Dumbies but at least i KNOW it can be closed at any day.
Well it sounds like the card is basically useless to you anyway outside of maybe some padding, so if they close it, no big deal.

I think simply keeping a card active may not be enough anymore with some banks. They want to see real sustained usage of the credit lines, and if they aren't seeing it, CLDs happen eventually.

@kdm31091

Yes exactly, it was for mainly padding and even though I am still good, I don't want to lose a ton more if you know what I mean.

I agree I think lenders want to see some sustained usage and maybe more so now.....................................

Re: Lowes account acess

SweetCreditObsession — Sun, 24 May 2020 03:28:35 GMT

Sorry that this has to you. Thank you for the advice.

Re: Lowes account acess

Anonymous — Sun, 24 May 2020 03:37:15 GMT

Sorry to see that you lost the card. I know you had been concerned that it would happen.

Re: Lowes account access Update synch closed my lowes card

CreditUnionFan — Sun, 24 May 2020 06:52:46 GMT

@kdm31091 wrote:
@AverageJoesCredit wrote:
I know my Home Depot hasnt been used in well over a year. Im just too lazy to go there. Would i love to use the card online to show usage? Dang right i would but lol, i cant even order online as they wont even ship here to PR. Dumbies but at least i KNOW it can be closed at any day.
Well it sounds like the card is basically useless to you anyway outside of maybe some padding, so if they close it, no big deal.

I think simply keeping a card active may not be enough anymore with some banks. They want to see real sustained usage of the credit lines, and if they aren't seeing it, CLDs happen eventually.

Synchrony is going on the run. Apparently May 22nd was my day for closure - Lowe's, Gap, CarCareOne, and Lumber Liquidators were all closed. I received a credit report notification for Lumber Liquidators, and started looking at the others, which I'd looked at within the last week. My last payment on Lowe's was June 21st, and it's apalling that during a time when people in many areas have been shelter-in-place for over two months, that Synchrony would start closing down private-lavel cards.

At one point when I was rebuilding, the Lowe's card helped raise my available credit. I'd gotten to the point though where the account was aging, and more importantly, Lowe's offers a 5% discount when using the private-label card, and sometimes even more. I could probably re-apply, and likely get approved again, but why bother? It's easier to just go buy elsewhere since the private label credit card perks are being taken away on a whim by Synchrony.

Re: Lowes account access Update synch closed my lowes card

NRB525 — Sun, 24 May 2020 09:56:00 GMT

If I understand, you got a Lowe's store card for a one-time purchase, just over a year ago, then requested CLI to, eventually, $35k, but no swipes since it was opened? And that store card is part of your "utilization padding"?

How much of the rest of your "utilization padding" is in store cards? Including possible AU versions.

And what, really, is the FICO score value of "utilization padding" for your file?

Re: Lowes account access Update synch closed my lowes card

Jnbmom — Sun, 24 May 2020 10:39:49 GMT

@NRB525 wrote:
If I understand, you got a Lowe's store card for a one-time purchase, just over a year ago, then requested CLI to, eventually, $35k, but no swipes since it was opened? And that store card is part of your "utilization padding"?

How much of the rest of your "utilization padding" is in store cards? Including possible AU versions.

And what, really, is the FICO score value of "utilization padding" for your file?

@NRB525

I got lowes, I didn't plan on a "one time" purchase, it just happened that way and we used dh's card more , the limit grew really quick.

Yes it helped my utilization in the beginning, of course now I have high lines with my other creditors. No I don't need the padding , haven't really needed it in quite some time. I have Navy , PF and quite a few other CU's and chase, discover, amex, USSA etc. So yes of course I don't need the padding with lowes, but last year I didn't have the lines at where they are today and we had some plans for the house and I wanted a higher limit so to not have a high individual utlization on a card. Not to mention Lowes offers 5% and long term 0% interest, hard to beat but plans changed and remodeling is on hold for awhile. But I should have mentioned that, I certainly don't need the padding from lowes.

I guess once you build up you hate to lose some, but as I stated it was not surprising, but I am going to miss that card just the same.

I don't have many store cards at all, now even less. Only stores are Amazon and Carecredit.