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Is getting a Lowes CLI more likely in store?

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designated_knitter
Established Contributor

Is getting a Lowes CLI more likely in store?

I have a Lowes card with a 300 limit.  Called credit solutions to see about an increase and it was a no-go.

 

If I tried in store, would I be more successful or would it just be the same process with the enhanced feature of the awkward in-person denial :-)

Started Over Again after Cap1 Death Penalty:
06/15/2019:
03/02/2021:
04/06/2021:
05/28/2021:
Lesson Learned: DON'T POKE THE BEAR!!! THE BEAR WILL WIN!!!
Message 1 of 9
8 REPLIES 8
FalconSteve
Valued Contributor

Re: Is getting a Lowes CLI more likely in store?

As far as I know, the computer still makes to decision. Personally, I would just go online and cut the person out entirely (if for no reason but to make it less awkward).

1/8/17 Discover $18300 CL- $1k SL- AU, wife
1/26/20 AmEx Cash Magnet $35k CL, wife
2/19/20 BB&T/Truist Rewards $11k SL- impulse application
2/22/20 Citi Double Cash WEMC $2.9k-->$4.4k-->$8.4k-->$13.4k-->$17.4k-->$19.4k-->$22.4k AU, wife
3/8/20 Wells Fargo Propel AmEx/Autograph VISA $2900-->$3200-->$5000-->$8800 CL- AU, wife
3/9/20 Truist Rewards $11k SL- AU, wife- impulse app
3/21/20 REDcard MasterCard (TD Bank) $2500-->$6000-->$6500 CL
11/24/20 AmEx Cash Magnet $10k SL-->36hr-->$20k-->$35k CL
6/10/21 SoFi World Elite MC (TBOM) $7000 SL
1/19/22 AppleCard/GS $6k-->$10k-->$11k AU, wife
8/15/22 Chase freedom flex $10.3k SL-->$12.5k-->$15k AU, wife
7/5/23 Lowes/Synchrony $4k-->$10k-->same day-->$35k CL
8/2/23 Chase freedom flex $19k --> $22.8 CL
8/2/23 Discover $8k SL
Message 2 of 9
KLEXH25
Valued Contributor

Re: Is getting a Lowes CLI more likely in store?

The people in store have no say in whether you get approved for a CLI, unfortunately. That is all up to their algorithm.



Message 3 of 9
babygirl1256
Senior Contributor

Re: Is getting a Lowes CLI more likely in store?

I would think the CLI results would be the same since it's a computerized decision and not a manual decision . . . So, I think that submitting an application in the store will have little if any impact on the approval decision. 

Starting FICO 8 Score in 06/2019: EQ-625, TU-649, EX-640
Current FICO 8 Score in 06/2021: EQ-796, TU-806, EX-812
Goal FICO 8 Score in 06/2022: EQ-825, TU-850, EX-850
Message 4 of 9
designated_knitter
Established Contributor

Re: Is getting a Lowes CLI more likely in store?


@FalconSteve wrote:

As far as I know, the computer still makes to decision. Personally, I would just go online and cut the person out entirely (if for no reason but to make it less awkward).


Yeah, being an introvert, I would rather just be rejected by the computer.

 

I'm one of the few people who is relieved to get their teeth pulled just so I have an excuse not to attend our first in-person corporate happy hour!

Started Over Again after Cap1 Death Penalty:
06/15/2019:
03/02/2021:
04/06/2021:
05/28/2021:
Lesson Learned: DON'T POKE THE BEAR!!! THE BEAR WILL WIN!!!
Message 5 of 9
coldfusion
Community Leader
Mega Contributor

Re: Is getting a Lowes CLI more likely in store?


@designated_knitter wrote:

@FalconSteve wrote:

As far as I know, the computer still makes to decision. Personally, I would just go online and cut the person out entirely (if for no reason but to make it less awkward).


Yeah, being an introvert, I would rather just be rejected by the computer.

 

I'm one of the few people who is relieved to get their teeth pulled just so I have an excuse not to attend our first in-person corporate happy hour!


corporate happy hours aren't always what they are cracked up to be.

 

What might be a kind of interesting senario is if for example you were to go in-store with your $300 CL Lowe's card and tried to use it to buy let's say a $349 gas grill.  Would they deny the charge, make a 1-time exception and permit the charge, or would it trigger a CLI request that if approved would at least be sufficient to allow the charge to go through?

(3/2024)
FICO 8 (EX) 846 (TU) 850 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 6 of 9
FalconSteve
Valued Contributor

Re: Is getting a Lowes CLI more likely in store?

Likely deny the charge. You MAY have luck with paying the amount over $300 ahead so there is a negative balance, but this varies.

1/8/17 Discover $18300 CL- $1k SL- AU, wife
1/26/20 AmEx Cash Magnet $35k CL, wife
2/19/20 BB&T/Truist Rewards $11k SL- impulse application
2/22/20 Citi Double Cash WEMC $2.9k-->$4.4k-->$8.4k-->$13.4k-->$17.4k-->$19.4k-->$22.4k AU, wife
3/8/20 Wells Fargo Propel AmEx/Autograph VISA $2900-->$3200-->$5000-->$8800 CL- AU, wife
3/9/20 Truist Rewards $11k SL- AU, wife- impulse app
3/21/20 REDcard MasterCard (TD Bank) $2500-->$6000-->$6500 CL
11/24/20 AmEx Cash Magnet $10k SL-->36hr-->$20k-->$35k CL
6/10/21 SoFi World Elite MC (TBOM) $7000 SL
1/19/22 AppleCard/GS $6k-->$10k-->$11k AU, wife
8/15/22 Chase freedom flex $10.3k SL-->$12.5k-->$15k AU, wife
7/5/23 Lowes/Synchrony $4k-->$10k-->same day-->$35k CL
8/2/23 Chase freedom flex $19k --> $22.8 CL
8/2/23 Discover $8k SL
Message 7 of 9
FinStar
Moderator Emeritus

Re: Is getting a Lowes CLI more likely in store?


@designated_knitter wrote:

I have a Lowes card with a 300 limit.  Called credit solutions to see about an increase and it was a no-go.

 

If I tried in store, would I be more successful or would it just be the same process with the enhanced feature of the awkward in-person denial :-)


I believe the community would be curious to learn why the CLI request was not approved when you called.  Hopefully you can share those results.  And, echoing way others have mentioned, going to the store doesn't make a difference in the outcome.

How old is the Lowe's CC?

Message 8 of 9
designated_knitter
Established Contributor

Re: Is getting a Lowes CLI more likely in store?


@FinStar wrote:

@designated_knitter wrote:

I have a Lowes card with a 300 limit.  Called credit solutions to see about an increase and it was a no-go.

 

If I tried in store, would I be more successful or would it just be the same process with the enhanced feature of the awkward in-person denial :-)


I believe the community would be curious to learn why the CLI request was not approved when you called.  Hopefully you can share those results.  And, echoing way others have mentioned, going to the store doesn't make a difference in the outcome.

How old is the Lowe's CC?


I'll report back when I get the letter but presumably too many inquiries, too many new accounts, lack of real estate... the usual reasons (at least for me).

With all the new activity I've had, I have redefined 5/24 as 5 cards in 24 hours 😉.  Ive been a bad myficoer!

Started Over Again after Cap1 Death Penalty:
06/15/2019:
03/02/2021:
04/06/2021:
05/28/2021:
Lesson Learned: DON'T POKE THE BEAR!!! THE BEAR WILL WIN!!!
Message 9 of 9
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