topic Lowes Charge in Credit Cards

Lowes Charge

FalconSteve — Sun, 12 May 2024 23:25:31 GMT

Lowes/Synchrony changed my card from a blue card with a clear strip on the right to a solid card. Did the card just change designs or did anything else about the card change?

Old Card

New Card

Re: Lowes Charge

NoMoreE46 — Mon, 13 May 2024 00:46:03 GMT

Card is still 5%- but as a cardholder, you get bumped to the second tier.

(FYI resolution from Lowe's Benefits graphic is horrendous.)

Lowe's Launches MyLowe's Rewards Loyalty Program Aimed at Helping DIYers Get More Value When They Choose Lowe's for Their Home Improvement Needs | Lowe’s Corporate (lowes.com)

Re: Lowes Charge

Snook_on_the_Line — Mon, 13 May 2024 03:00:34 GMT

There were changes to the way interest is calculated and added

the new method is if your balance is greater than zero at the beginning of the billing cycle and you make a purchase on top of that balance then you will be charged interest on the new purchase starting on the day of the new purchase.

if you have no balance at the beginning of the billing cycle and make a purchase the standard grace period from statement date to due date should still apply.
At least that's the way I read the new agreement

also they now charge $1.99 for each paper statement if you don't sign up for paperless billing.

they only send a paper statement for months that your statement balance is greater than zero tho.

Re: Lowes Charge

FalconSteve — Tue, 14 May 2024 17:20:08 GMT

So, the 5% discount still applies?

Do they still limit it to $35k credit limits?

It seems like essentially the same card, except the online statements & the different way to calculate interest.

Re: Lowes Charge

ptatohed — Tue, 14 May 2024 20:32:17 GMT

@FalconSteve wrote:
So, the 5% discount still applies?

Do they still limit it to $35k credit limits?

It seems like essentially the same card, except the online statements & the different way to calculate interest.

They have a rewards program now too.

Re: Lowes Charge

Snook_on_the_Line — Wed, 15 May 2024 00:35:41 GMT

@FalconSteve.
Idk if the max cl is still 35k

I do know I was approved instantly for a cli from 15k to 30k right after switch to the new card.
so at least 30k is still possible

and I made a purchase with the new card and the amount of the receipt was about $32 but the statement balance was $29.

so the five percent was applied after the fact

I don't remember it that way before

I thought the five percent was applied at the register before. But I could be mistaken.

Re: Lowes Charge

NoMoreE46 — Wed, 15 May 2024 01:09:58 GMT

$35000 is the max CL

for this card.

Re: Lowes Charge

ptatohed — Wed, 15 May 2024 06:31:40 GMT

I think this might be the first time in history a thread was moved from Smorgas to Credit Cards! lol

Re: Lowes Charge

CCrew — Thu, 16 May 2024 16:51:05 GMT

Old card doesn't have a CVV # and their web site is so badly coded that if you don't have a card with a CVV it'll deny. There's that :-)

Re: Lowes Charge

FalconSteve — Tue, 21 May 2024 06:47:32 GMT

@CCrew wrote:
Old card doesn't have a CVV # and their web site is so badly coded that if you don't have a card with a CVV it'll deny. There's that :-)

I'm glad I'm not the only one who thought their site is coded poorly.

I feel like they could have added a CVV number without making the card look work p=or removing the characteristic clear area.`

Re: Lowes Charge

FalconSteve — Tue, 21 May 2024 06:45:27 GMT

@ptatohed wrote:
I think this might be the first time in history a thread was moved from Smorgas to Credit Cards! lol

I'm history making, what an honor *takes a bow* (and blushes a bit)