topic Re: Lowes or Home Depot - which is better? in Credit Cards

Lowes or Home Depot - which is better?

Duncanrr — Tue, 09 Oct 2012 15:57:42 GMT

Redoing my kitchen/bath and some other things around the house to fix various storm related damage and upgrade. Which store, Home Depot or Lowes, is better in terms of the products they have? Which store has a better credit card product?

Thanks in advance,

Duncan, aka the white drapper

Re: Lowes or Home Depot - which is better?

youngandcreditwrthy — Tue, 09 Oct 2012 16:15:19 GMT

Hey Duncan...

I think Lowe's is better, although I don't have HD....

Lowe's has a deal right now... if you spend $3500, you can get it at 5.99% for 84 months... They also have been very generous with CLIs on my account ( my highest at $12k).... and I barely use it....lol I do use it every month or two for cleaning stuff usually... might spend less than $10 hhaha and PIF....

seems like Citi, backer of HD I think, is a stickler and not as easy to do business with....

Hope this helps!! :-D

Re: Lowes or Home Depot - which is better?

youngandcreditwrthy — Tue, 09 Oct 2012 16:17:19 GMT

oh... something else... lowe's also gives you 5% off all purchases with their card...but they won't let you combine that with any financing offers. lol

Re: Lowes or Home Depot - which is better?

aplast — Tue, 09 Oct 2012 16:18:01 GMT

@youngandcreditwrthy wrote:
Hey Duncan...
I think Lowe's is better, although I don't have HD....

Lowe's has a deal right now... if you spend $3500, you can get it at 5.99% for 84 months... They also have been very generous with CLIs on my account ( my highest at $12k).... and I barely use it....lol I do use it every month or two for cleaning stuff usually... might spend less than $10 hhaha and PIF....

seems like Citi, backer of HD I think, is a stickler and not as easy to do business with....

Hope this helps!! :-D

+1 GECRB will grow with you and they will CLI regularly. Solid company to do business with. I am more of a home depot guy myself, but if I was in the market to have a home improvement credit card I would def. choose Lowes.

Re: Lowes or Home Depot - which is better?

Duncanrr — Tue, 09 Oct 2012 16:23:34 GMT

Are the cards just store cards or do they have a MC/Visa version?

Re: Lowes or Home Depot - which is better?

youngandcreditwrthy — Tue, 09 Oct 2012 16:27:38 GMT

They have an Amex version .... only for businesses though...

They *used* to have a Lowe's Visa, but you can't app for that now or be upgraded to it...

so it's just the Lowe's Store Card that is up for grabs...

I think they discontinued the Lowe's Visa a while ago (2005?), but whenever I login it, it gives me the option to login for a Lowe's Visa... I think I even called GECRB once to harrass them about it, and they said they didn't offer it any more lol.

As for quality of products... I really like their Method cleaning stuff LOL... idk about anything else in that store.. well, I've seen that they have nice Wine Cellar thingies... and pretty granite countertops... LOL...

Re: Lowes or Home Depot - which is better?

maiden_girl — Tue, 09 Oct 2012 16:30:35 GMT

Well...Home Depot card is backed by Citi. Lowes is backed by GECRB. You'll probably have a better time with Lowes than Home Depot, IMO.

Re: Lowes or Home Depot - which is better?

Duncanrr — Tue, 09 Oct 2012 16:34:34 GMT

@maiden_girl wrote:
Well...Home Depot card is backed by Citi. Lowes is backed by GECRB. You'll probably have a better time with Lowes than Home Depot, IMO.

I have Walmart Discover with GECRB. Ive been wanting to app for Citi Forward card. Wondering if apping for Citi backed HD would be a good way to setup relationship with Citi so I could app for their card after refi in 8 months?

Re: Lowes or Home Depot - which is better?

youngandcreditwrthy — Tue, 09 Oct 2012 16:34:55 GMT

I think Duncan knows what he should do now LOL....?

Re: Lowes or Home Depot - which is better?

Duncanrr — Tue, 09 Oct 2012 16:43:08 GMT

nah. I'm going to be good boy. Other than my current home project I don't really see need for either. Maybe amex will let me put home pack on zync.

Re: Lowes or Home Depot - which is better?

maiden_girl — Tue, 09 Oct 2012 16:46:36 GMT

@Duncanrr wrote:
@maiden_girl wrote:
Well...Home Depot card is backed by Citi. Lowes is backed by GECRB. You'll probably have a better time with Lowes than Home Depot, IMO.
I have Walmart Discover with GECRB. Ive been wanting to app for Citi Forward card. Wondering if apping for Citi backed HD would be a good way to setup relationship with Citi so I could app for their card after refi in 8 months?

I doubt it. A lot of people thought they would get on Discover radar with Walmart Discover. Citi can kick rocks as farrrrr as I'm concerned. I applied to their card several times and they always deny me for stupid reason. They even have stupid reasons when you call to recon! I have Chase freedom now...GO away Citi! Lol.

Re: Lowes or Home Depot - which is better?

youngandcreditwrthy — Tue, 09 Oct 2012 16:56:57 GMT

+1 maidengirl... Citi can kiss it... the only card I'd consider app'ing for them is the Diamond... LOL... but that'd only be for the 0% for 18 mos, which I don't need lol as most of my cards are already at 0%...Citi always denied me in the past; they aren't worth it atm. OHH maidgengirl, you want that Forward card!!!!! :-P

Citi was SO RUDE to me on my recon back in like Jan of this year, even with a 670+ FICO... my only reason for denial was bc of a PD CO for $280 back in like '06- it was even on my CR disputed as a fraud account (which it was/is).

GECRB and DFS (Disc Fin Svcs) are not related LOL

ooo speaking of that!!! I got the new Walmart Discover design in the mail the other day... looks more legit without "Walmart" scrolled across the card HAHA

Re: Lowes or Home Depot - which is better?

Shogun — Tue, 09 Oct 2012 17:05:02 GMT

My vote is for Lowes, GE is much better for CLIs, no HPs, and about every 4 months. Just make sure you don't go drapping!

Re: Lowes or Home Depot - which is better?

maiden_girl — Tue, 09 Oct 2012 17:07:23 GMT

@youngandcreditwrthy wrote:
+1 maidengirl... Citi can kiss it... the only card I'd consider app'ing for them is the Diamond... LOL... but that'd only be for the 0% for 18 mos, which I don't need lol as most of my cards are already at 0%...Citi always denied me in the past; they aren't worth it atm. OHH maidgengirl, you want that Forward card!!!!! :-P

Citi was SO RUDE to me on my recon back in like Jan of this year, even with a 670+ FICO... my only reason for denial was bc of a PD CO for $280 back in like '06- it was even on my CR disputed as a fraud account (which it was/is).

GECRB and DFS (Disc Fin Svcs) are not related LOL

ooo speaking of that!!! I got the new Walmart Discover design in the mail the other day... looks more legit without "Walmart" scrolled across the card HAHA

LOL. I wanted it but eh...not anymore. I really just wanted a VISA something and decided hey lets try citi b/c I liked their Forward line features but they have been tough to get approved for. They are bothered by everything on your CR. Last I applied which was a few weeks ago, it was denied due to too many inquires...from 2010... -_- When I was auto loan shopping..

Re: Lowes or Home Depot - which is better?

youngandcreditwrthy — Tue, 09 Oct 2012 17:07:47 GMT

LOL@ shogun.

Why not?

We've established that drapping is where it's AT!

ahha

:-P jk

Re: Lowes or Home Depot - which is better?

maiden_girl — Tue, 09 Oct 2012 17:09:30 GMT

You got the Walmart Discover already? Mine has the Walmart logo on it. It isn't orange. I know some people have the orange card and it's Discover...

Re: Lowes or Home Depot - which is better?

youngandcreditwrthy — Tue, 09 Oct 2012 17:10:31 GMT

a denial for that really is just stupid!!!! Oh well, who wants to deal with outsourcing, bailouts, and bad CSRs anywho? lol

*sad to see the 5% CB on gas/restaurants go from Chase Freedom* :-(

Re: Lowes or Home Depot - which is better?

youngandcreditwrthy — Tue, 09 Oct 2012 17:13:18 GMT

Well... I have a real Discover(got it last week), and I got upgraded to the Walmart Discover back in May...

I noticed the walmart.com/credit website has the orange design on there, so I called to inquire if I would be getting a new card; they were rude and said my card was good til the expiration date on the card LOL.... so I just requested a replacement card online to see if I'd get the new orange design, and I did.... lol took like three days for it to get here... I also live in the same state as where the card is shipped from (Texas)....

If you want the orange one, just request a replacement online!! :-) It actually looks like a real Discover btw...

Re: Lowes or Home Depot - which is better?

maiden_girl — Tue, 09 Oct 2012 17:36:33 GMT

@youngandcreditwrthy wrote:
Well... I have a real Discover(got it last week), and I got upgraded to the Walmart Discover back in May...
I noticed the walmart.com/credit website has the orange design on there, so I called to inquire if I would be getting a new card; they were rude and said my card was good til the expiration date on the card LOL.... so I just requested a replacement card online to see if I'd get the new orange design, and I did.... lol took like three days for it to get here... I also live in the same state as where the card is shipped from (Texas)....

If you want the orange one, just request a replacement online!! :-) It actually looks like a real Discover btw...

Hehe no need. I have a real Discover only my card is red with a flower (thank god) LOL. I still have yet to use my Walmart Discover card. It's blue and sparkly. Ha! It's funny that you live by the shipping site and it takes 3 days...that seems long.

Re: Lowes or Home Depot - which is better?

Duncanrr — Tue, 09 Oct 2012 17:38:46 GMT

I called Amex. They couldn't add home pack. Guy wet through all the steps read out the disclaimer ad was like, oh this is odd. They must be working on the packs. I can add it at this time.

I then told him that I read the card is being cancelled and he had no knowledge of it. Why are these CSR so clueless? Doesn't AMEX let them know what's going on?