topic Re: Lowes Card... in Credit Cards

Lowes Card...

eparker — Fri, 20 Apr 2012 14:21:18 GMT

Has anyone had any good experiences with Lowes on a recon for a higher limit? I was just approved but only for $300. I applied online.

Thanks

Re: Lowes Card...

Creditaddict — Fri, 20 Apr 2012 14:24:22 GMT

@eparker wrote:
Has anyone had any good experiences with Lowes on a recon for a higher limit? I was just approved but only for $300. I applied online.

Thanks

YES, if you just applied like as in now... CALL NOW! you will most likely get front line CSR calling the number out of sticky above, but ask to be transferred to Credit Analyst to reconsider higher limit, don't let CSR submit for a CLI... also they will ask if it is okay to pull credit (they are usualy good about saying this is a soft, and it IS! so don't worry, and ask HIGH, they will counter... don't go asking for $1000 when you might be able to get $5k!

Re: Lowes Card...

Anonymous — Fri, 20 Apr 2012 15:33:58 GMT

Definitely recon! I was approved online for $500 a few weeks ago and called them the next morning (it was a late night app) to recon. Went through the automated system first then was transferred to a live person. I told them I was looking to buy a riding mower and they asked what I needed- told them $2500 and they gave me $2300. Good luck!

Re: Lowes Card...

hedgeclipper2 — Fri, 20 Apr 2012 15:57:22 GMT

I was approved in-store last year and I immediately called them while standing at the customer service desk, immediately increased from $1200 to $2000. So yes, give them a call!

Re: Lowes Card...

eparker — Fri, 20 Apr 2012 16:42:02 GMT

Well, they bumped me from $300 to $900. I heard the card grows with you. So I will see, don't need the large credit line right now. But will be needing a riding mower later on down the line.

I guess something was better than nothing .

Re: Lowes Card...

Anonymous — Fri, 20 Apr 2012 16:47:47 GMT

Good work!

Congrats!

Re: Lowes Card...

boomhower — Fri, 20 Apr 2012 18:41:23 GMT

Yeah, always recon lowes CL. I went from $1500 to $3k, should have asked for more.

Re: Lowes Card...

Anonymous — Sat, 06 Oct 2012 19:57:37 GMT

I was there today and decided on a whim to apply for one. Got approved for a $6,000 limit. Didn't ask for any limit in particular either. I've never even been in one of their stores before. *shrugs*

Re: Lowes Card...

Anonymous — Sat, 06 Oct 2012 20:02:16 GMT

@eparker wrote:
Well, they bumped me from $300 to $900. I heard the card grows with you. So I will see, don't need the large credit line right now. But will be needing a riding mower later on down the line.

I guess something was better than nothing .

Everyone's situation is different, but the potential is there. My DH was approved for a Lowe's card with a starting limit of $300. After 3 months, they bumped him up to $600. And four months after that, they bumped him up again, this time to $6500. It grew very quickly. Good luck, and may yours grow for you as well.

Re: Lowes Card...

Creditaddict — Sat, 06 Oct 2012 20:04:24 GMT

@Anonymous wrote:
I was there today and decided on a whim to apply for one. Got approved for a $6,000 limit. Didn't ask for any limit in particular either. I've never even been in one of their stores before. *shrugs*

You could probably call the backdoor number on Monday and get that raised to who knows what $10-$20k based on what other kind of limits you have. $6k is impressive starting line with GE I would say!

Re: Lowes Card...

creditnocash — Sat, 06 Oct 2012 20:06:55 GMT

@eparker wrote:
Well, they bumped me from $300 to $900. I heard the card grows with you. So I will see, don't need the large credit line right now. But will be needing a riding mower later on down the line.

I guess something was better than nothing .

they really do grow.

after 4 months of having the card not even using it went from 800 to 3k. (that's what i asked for because i wasnt shooting for the moon)

told them i wanted a couple flat screen tv's.

you can ask every 4 statement cuts from what i read.

Re: Lowes Card...

Anonymous — Sat, 06 Oct 2012 20:28:04 GMT

What is this backdoor number people keep mentioning?

Re: Lowes Card...

creditnocash — Sat, 06 Oct 2012 20:34:00 GMT

@Anonymous wrote:
What is this backdoor number people keep mentioning?

its in the sticky post. backdoor cra numbers.

lowes underwriting is

800-444-1408

Re: Lowes Card...

Anonymous — Sat, 06 Oct 2012 20:36:01 GMT

Shoot for the sky. I went from 3k to 5k in 2 mins.

Re: Lowes Card...

creditnocash — Sat, 06 Oct 2012 20:39:14 GMT

@Anonymous wrote:
Shoot for the sky. I went from 3k to 5k in 2 mins.

l probably could of but the only higher cl card i have is 3500.

my walmart tu for sep is 728.

Re: Lowes Card...

Dishpro — Sat, 06 Oct 2012 20:40:12 GMT

what did they pull for the original app? I need a lowes card but don't need another EQ or EX inq.

Re: Lowes Card...

creditnocash — Sat, 06 Oct 2012 20:46:02 GMT

ge ALWAYS pulls tu in my 2 pulls and from reading on here.

Re: Lowes Card...

Anonymous — Sat, 06 Oct 2012 21:00:18 GMT

Congrats

Re: Lowes Card...

youngandcreditwrthy — Sun, 07 Oct 2012 06:12:06 GMT

Last month, I got a cli from $8,500 to $12,000 via the u/w number ;-)

This card makes up about 15% of my avail cred... Goes straight to util... I pif and only charge like cleaning stuff on it lol!!!!

Call 'em!!!!

Re: Lowes Card...

Anonymous — Tue, 16 Oct 2012 13:09:19 GMT

Just thought I'd tell everyone my experience today.

We're looking to buy some appliances in the next month or so (likely black friday)

We just purchased a home 2 months ago

I applied online for the Lowe's card, was approved for a cl of $1500.

I called the "back door #" (i don't think this is really a backdoor #), went through the automated system and asked for an increase of $5,000 and was denied and told they would send me a letter. I called right back and asked to speak with a rep.

Rep basically just asked how much I wanted, I said $5k, they countered with $3k.

Should be good enough!

My husband will likely apply for the Home Depot card in case we find better deals there.