topic Re: Lowe's or Home Depot in Credit Cards

Lowe's or Home Depot

Anonymous — Sun, 11 Nov 2012 22:48:20 GMT

Which is a better card to have? I know GE is great for CLI's. Pros and cons for each?

Re: Lowe's or Home Depot

LS2982 — Sun, 11 Nov 2012 23:07:14 GMT

@Anonymous wrote:
Which is a better card to have? I know GE is great for CLI's. Pros and cons for each?

If your credit is not very good I would with Lowes. Home Depot is backed by Citi and is a little more stringent to get. You'll get high CL with Citi if you have good/excellent credit.

IMO, I would recommend Lowe's because of the CLI's and promotional 5% off every day or 0% financing on purchases over a certain amount.

Re: Lowe's or Home Depot

distantarray — Sun, 11 Nov 2012 23:08:57 GMT

you might get a higher initial CL with Citi/home depot, but the GECRB / Lowe's will destroy it in CLI

Re: Lowe's or Home Depot

Anonymous — Sun, 11 Nov 2012 23:17:07 GMT

@LS2982 wrote:
@Anonymous wrote:
Which is a better card to have? I know GE is great for CLI's. Pros and cons for each?
If your credit is not very good I would with Lowes. Home Depot is backed by Citi and is a little more stringent to get. You'll get high CL with Citi if you have good/excellent credit.

IMO, I would recommend Lowe's because of the CLI's and promotional 5% off every day or 0% financing on purchases over a certain amount.

I already have Home Depot. Am planning on getting new appliances and wondered if Lowe's would be a better deal.

Re: Lowe's or Home Depot

LS2982 — Sun, 11 Nov 2012 23:19:08 GMT

@Anonymous wrote:
@LS2982 wrote:
@Anonymous wrote:
Which is a better card to have? I know GE is great for CLI's. Pros and cons for each?
If your credit is not very good I would with Lowes. Home Depot is backed by Citi and is a little more stringent to get. You'll get high CL with Citi if you have good/excellent credit.

IMO, I would recommend Lowe's because of the CLI's and promotional 5% off every day or 0% financing on purchases over a certain amount.

I already have Home Depot. Am planning on getting new appliances and wondered if Lowe's would be a better deal.

Are you going to PIF when you get these? If not, I would suggest going in-store at Lowes and apping at the register. You should get a good intital CL and if you don't like it you can get a rep on the phone right there and recon a higher CL.

Re: Lowe's or Home Depot

Anonymous — Sun, 11 Nov 2012 23:22:04 GMT

@LS2982 wrote:
@Anonymous wrote:
@LS2982 wrote:
@Anonymous wrote:
Which is a better card to have? I know GE is great for CLI's. Pros and cons for each?
If your credit is not very good I would with Lowes. Home Depot is backed by Citi and is a little more stringent to get. You'll get high CL with Citi if you have good/excellent credit.

IMO, I would recommend Lowe's because of the CLI's and promotional 5% off every day or 0% financing on purchases over a certain amount.

I already have Home Depot. Am planning on getting new appliances and wondered if Lowe's would be a better deal.

Are you going to PIF when you get these? If not, I would suggest going in-store at Lowes and apping at the register. You should get a good intital CL and if you don't like it you can get a rep on the phone right there and recon a higher CL.

Just took the Lowe's plunge and got an initial credit limit of $1,000, called the recon number and they bumped it up to $3500!!

Re: Lowe's or Home Depot

LS2982 — Sun, 11 Nov 2012 23:24:01 GMT

@Anonymous wrote:
@LS2982 wrote:
@Anonymous wrote:
@LS2982 wrote:
@Anonymous wrote:
Which is a better card to have? I know GE is great for CLI's. Pros and cons for each?
If your credit is not very good I would with Lowes. Home Depot is backed by Citi and is a little more stringent to get. You'll get high CL with Citi if you have good/excellent credit.

IMO, I would recommend Lowe's because of the CLI's and promotional 5% off every day or 0% financing on purchases over a certain amount.

I already have Home Depot. Am planning on getting new appliances and wondered if Lowe's would be a better deal.

Are you going to PIF when you get these? If not, I would suggest going in-store at Lowes and apping at the register. You should get a good intital CL and if you don't like it you can get a rep on the phone right there and recon a higher CL.

Just took the Lowe's plunge and got an initial credit limit of $1,000, called the recon number and they bumped it up to $3500!!

CONGRATS!!!!

I would have went in-store but nice intial CL!! That is also my current limit with them.

Re: Lowe's or Home Depot

Anonymous — Sun, 11 Nov 2012 23:30:36 GMT

Just took the Lowe's plunge and got an initial credit limit of $1,000, called the recon number and they bumped it up to $3500!!

CONGRATS!!!!

I would have went in-store but nice intial CL!! That is also my current limit with them.

Thanks! It went very smoothly. I called the recon number and told them I was approved for $1,000 but wanted $3500.00. After a couple of minutes, the rep came back and told me the 3500 was approved and since they gave me the card number immediately, I could start using it right away while I waited on the card.

Re: Lowe's or Home Depot

Epcot — Mon, 12 Nov 2012 00:25:02 GMT

That's great, congrats!

Re: Lowe's or Home Depot

Anonymous — Mon, 12 Nov 2012 00:27:01 GMT

Congrats

Re: Lowe's or Home Depot

aplast — Mon, 12 Nov 2012 01:05:20 GMT

@Anonymous wrote:
@LS2982 wrote:
@Anonymous wrote:
@LS2982 wrote:
@Anonymous wrote:
Which is a better card to have? I know GE is great for CLI's. Pros and cons for each?
If your credit is not very good I would with Lowes. Home Depot is backed by Citi and is a little more stringent to get. You'll get high CL with Citi if you have good/excellent credit.

IMO, I would recommend Lowe's because of the CLI's and promotional 5% off every day or 0% financing on purchases over a certain amount.

I already have Home Depot. Am planning on getting new appliances and wondered if Lowe's would be a better deal.

Are you going to PIF when you get these? If not, I would suggest going in-store at Lowes and apping at the register. You should get a good intital CL and if you don't like it you can get a rep on the phone right there and recon a higher CL.

Just took the Lowe's plunge and got an initial credit limit of $1,000, called the recon number and they bumped it up to $3500!!

this is great news! congrats on the approval!

Re: Lowe's or Home Depot

youngandcreditwrthy — Mon, 12 Nov 2012 03:59:34 GMT

Congrats!!! This card will grow with you as you can see in my siggy! Lowe's at $12k;-)

Re: Lowe's or Home Depot

masscredit — Mon, 12 Nov 2012 05:10:40 GMT

@LS2982 wrote:

Are you going to PIF when you get these? If not, I would suggest going in-store at Lowes and apping at the register. You should get a good intital CL and if you don't like it you can get a rep on the phone right there and recon a higher CL.

Why is it better to apply for this one in the in the store over doing it online?

Re: Lowe's or Home Depot

Anonymous — Mon, 12 Nov 2012 12:16:48 GMT

@masscredit wrote:
@LS2982 wrote:
Are you going to PIF when you get these? If not, I would suggest going in-store at Lowes and apping at the register. You should get a good intital CL and if you don't like it you can get a rep on the phone right there and recon a higher CL.
Why is it better to apply for this one in the in the store over doing it online?

I think YMMV. I apped online and got the initial 1000, then reconned for the 3500

Re: Lowe's or Home Depot

tbolt2 — Tue, 13 Nov 2012 06:20:48 GMT

the only thing I would to what everyone else has said - Lowes has a much better looking card The Home Depot card is the fugliest credit card I have now, target red card held that honor up unitl the HD card came.......when I opened the envelope with the card, my first thought was...wow..... so that's what it looks like when a pumpkin throws up..... yeah it came in just after halloween

But seriously - Lowe's is going to be the better card in long run. Citi is pretty stingy with CLI's on everything I have with them. GE is awesome.

Re: Lowe's or Home Depot

Anonymous — Tue, 13 Nov 2012 07:24:18 GMT

@tbolt2 wrote:
the only thing I would to what everyone else has said - Lowes has a much better looking card The Home Depot card is the fugliest credit card I have now, target red card held that honor up unitl the HD card came.......when I opened the envelope with the card, my first thought was...wow..... so that's what it looks like when a pumpkin throws up..... yeah it came in just after halloween

But seriously - Lowe's is going to be the better card in long run. Citi is pretty stingy with CLI's on everything I have with them. GE is awesome.

That is so true! The Home Depot card is pretty ugly.