Chances of getting a Lowe's after getting a 7-10 message

[Anonymous]

Have you tried Chase Freedom?

[Anonymous]

Honestly, if you haven't yet looked at the Credit Pulls Database I suggest you do for both this Lowe's account and any other card you may apply for in the future.

In about 5-10 minutes you can put together some real data and will know your exact "chances" of getting approved which is far more reliable than opinions of those on this forum.

If you see multiple people reporting denials with scores higher than yours, it's probably not a smart move to apply.  If you see a lot of people approved with scores lower than yours, perhaps it's worth considering.

[Anonymous]

Do you know that number? I did listen to you and I got Capital One card too. And a VS store card because of a preapproval offer that came in the mail. So I think I'm on my way. Thanks for the huge help so far!

[Anonymous]

I actually did look at the Lowe's scores of people before I applied. And I did the Pre-qualifier just like he suggested before I took a hard pill to my credit. And again, researched and saw all the cart tricks as they called it for the VS card, but gave in once I got the pre-approval. So if I get denied for Lowe's that would be my first and only denial, but I did research before hand. I went 35 years without ever applying for credit because I didn't need/want it. But then I thought, might as well reap some of the benefits like everyone else. I'm far from the type to not research my every move. But I do appreciate the advice BrutalBodyShots.

[Anonymous]

In skimming over the credit pulls database quick, over the last 2 years there's about 100 reported on Lowe's.  Out of that 100, I see 5 that were approved with a score lower than 640.  Of the 8 reported denials, 5 had scores higher than yours and 3 had scores lower than yours.  It seems that most that were approved with a score around yours or less cited starting limits of $300, generally speaking. 

This isn't the biggest sample size in the world, but does give you somewhat of an idea of where you stand when considering the numbers.