topic Re: Lowes CLI in Credit Cards

Lowes CLI

CS800 — Thu, 21 Jun 2012 14:56:33 GMT

SInce Im looking to buy some new appliances at Lowes. Called in an got a CLI to $10k. Previous CL was $5k

Re: Lowes CLI

RockinRay — Thu, 21 Jun 2012 15:18:11 GMT

YAY! Congrats. That is a super nice jump!

Re: Lowes CLI

pizzadude — Thu, 21 Jun 2012 15:31:32 GMT

@CS800 wrote:
SInce Im looking to buy some new appliances at Lowes. Called in an got a CLI to $10k. Previous CL was $5k

Congrats on the massive CLI ! Was it a soft pull ? EQ ?

Re: Lowes CLI

CS800 — Thu, 21 Jun 2012 15:38:32 GMT

@pizzadude wrote:
@CS800 wrote:
SInce Im looking to buy some new appliances at Lowes. Called in an got a CLI to $10k. Previous CL was $5k

Congrats on the massive CLI ! Was it a soft pull ? EQ ?

HP on Tu only, that's what CSR said.

The good thing is that al my inqs will expire right about the same time which is why I'm doing this

Re: Lowes CLI

CS800 — Thu, 21 Jun 2012 15:42:02 GMT

@RockinRay wrote:
YAY! Congrats. That is a super nice jump!

Thanks. Lowes has better deals right now and its right in tax free NH about 15 minutes from where I live.

Re: Lowes CLI

Anonymous — Thu, 21 Jun 2012 16:19:34 GMT

Congrats that is just awesome

Re: Lowes CLI

MsLadyRover — Thu, 21 Jun 2012 16:29:45 GMT

WOW! Nice increase!

Re: Lowes CLI

Creditaddict — Thu, 21 Jun 2012 16:52:43 GMT

@CS800 wrote:
@pizzadude wrote:
@CS800 wrote:
SInce Im looking to buy some new appliances at Lowes. Called in an got a CLI to $10k. Previous CL was $5k

Congrats on the massive CLI ! Was it a soft pull ? EQ ?
HP on Tu only, that's what CSR said.

The good thing is that al my inqs will expire right about the same time which is why I'm doing this

Have you checked to see... I don't believe GE - Lowes EVER HP once initial app is approved... especially if you did it through automated system or regular CSR... even if you got into underwriting for manual review they ask permission to pull a SP on spot vs. usuing one in the computer that might be 60-90 days old.

Only CareCredit do I know of that will ask you if they can pull HP if they can't meet your requested amount with info in computer.

Re: Lowes CLI

CS800 — Thu, 21 Jun 2012 17:39:28 GMT

@Creditaddict wrote:
@CS800 wrote:
@pizzadude wrote:
@CS800 wrote:
SInce Im looking to buy some new appliances at Lowes. Called in an got a CLI to $10k. Previous CL was $5k

Congrats on the massive CLI ! Was it a soft pull ? EQ ?
HP on Tu only, that's what CSR said.

The good thing is that al my inqs will expire right about the same time which is why I'm doing this
Have you checked to see... I don't believe GE - Lowes EVER HP once initial app is approved... especially if you did it through automated system or regular CSR... even if you got into underwriting for manual review they ask permission to pull a SP on spot vs. usuing one in the computer that might be 60-90 days old.
Only CareCredit do I know of that will ask you if they can pull HP if they can't meet your requested amount with info in computer.

Good to know. The CSR did say they will have to pull a credit report but so far no SW or CK alert.

Re: Lowes CLI

webhopper — Thu, 21 Jun 2012 18:55:26 GMT

Good luck! Nice CLI btw!

Re: Lowes CLI

mygoal750 — Thu, 21 Jun 2012 20:01:26 GMT

did you request the increase before buying the appliances? I need to replace my deck next year and was thinking I'd have a better case for an increase if I was at checkout with carts full of decking materials! I have $7k cl now, am thinking I'll need another $3-4k. If they doubled your cl, that gives me hope for next year!

Re: Lowes CLI

CS800 — Thu, 21 Jun 2012 20:10:11 GMT

@mygoal750 wrote:
did you request the increase before buying the appliances? I need to replace my deck next year and was thinking I'd have a better case for an increase if I was at checkout with carts full of decking materials! I have $7k cl now, am thinking I'll need another $3-4k. If they doubled your cl, that gives me hope for next year!
Yes i did that before going to the store. I was surprised at the CLI myself. I was thinking they would prob give me $7k.

Re: Lowes CLI

Anonymous — Tue, 31 Jul 2012 00:54:54 GMT

opened lowes 1-3 12 $500.00 cl

2 months later called under writting ask for $2500.00 approved

2 months later called under writting ask for $5000.00 approved

2 months later called under writting ask for $10,000.00 approved card is 7 months old

I call under writting every 2 months on all my gemb cards always soft pull always approved