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Home Depot vs. Lowes vs. Best Buy vs. other

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Anonymous
Not applicable

Re: Home Depot vs. Lowes vs. Best Buy vs. other

You can substitute any card with great signup bonus with CSP.
Message 11 of 14
chalupaman
Super Contributor

Re: Home Depot vs. Lowes vs. Best Buy vs. other

Lowes card FTW. High limit without having to do much of anything with regards to the spending especially if you can't join any CUs like NFCU. I'm getting it again in a few months when crap has died down on my end.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 12 of 14
14Fiesta
Established Contributor

Re: Home Depot vs. Lowes vs. Best Buy vs. other

If you are planning on PIF, I'd pick the Best Buy card because of the 10% bonus on your first purchase and 5% afterwards.






EX FICO (AMEX): 728 (4/29/17) | TU FICO (Discover): 737 (4/7/17) | EQ FICO (Citi): 746 (3/28/17)
Message 13 of 14
Runitup
Regular Contributor

Re: Home Depot vs. Lowes vs. Best Buy vs. other


@denver133 wrote:

I am excited to say that I am closing on my first home in March!  Wahoo!  It's new construction and after months and months of delays, we are finally on track. 

 

However, I will need to get a new washer/dryer and fridge once we close.  Of course I am waiting till after I get keys in hand to apply for a new card so I would like to get some advice on which would be best.

 

With these major appliance purchases, what does the community feel is the best card to go with?  Scores are below.     Thanks for any suggestions.   


No matter what card you use, keep in mind that for large purchases (2k+ I believe) from Lowes and HD, you can ask to be sent to the bid/pro desk.  They can give you really large discounts depending on what you buy.

Message 14 of 14
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