Lowe's Credit Card

[A1Credit]

@Did you have a high credit score @padme ?  Seems like everyone that is approved by them has decent scores.  I have yet to run across a thread where anyone was in the low 600s.

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@padme wrote:

i started with a measly $300 limit 2 years back waiting like 6 months when to chat asked for 10K got 5K.

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[padme]

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@A1Credit wrote:

@Did you have a high credit score @padme ?  Seems like everyone that is approved by them has decent scores.  I have yet to run across a thread where anyone was in the low 600s.

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@padme wrote:

i started with a measly $300 limit 2 years back waiting like 6 months when to chat asked for 10K got 5K.

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Ive been in the low 600's since filing BK7, i was denied like a year post filing, but wasted pulls alot waited another year and apped again, was kinda surprised. 

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[A1Credit]

Thanks @padme !  That is good to know.  Hopefully they will run the 0% interest and I'll try then.  Maybe by then my scores will have increased.

[Anonymous]

A1 and doinit,

Lowe's is one of the easiest cards to increase your SL or CL on with a quick phone call.  I was approved for a $3k SL last summer with about a 730 TU score.  I called within a day of approval and asked for a $30k limit.  Instantly approved.  From what I understand from reading on this forum, I could have asked for $35k.  It seems that $35k is about the max that Synchrony will extend on the Lowe's card without IV.  Basically anyone with a 720-730 score can obtain this.  If one possesses a score in that range, it's best to shoot for the stars in asking for you CLI.  It's a SP, you have nothing to lose and they'll counter you with the highest amount they can give you if they can't give you what you ask for.

A1, you may need to grow your scores a bit before you can get approved, or if you do get approved now you may need to wait a bit before getting that SP CLI.

doinit, with your scores I would call up credit solutions right away and ask for whatever you want.  I know you said $2k was a letdown.  What did you want?  If you want $10k, ask for $20k.  If you want $20k, ask for $30k.  I'm confident you'll end up with what you want if you go down this route.

[A1Credit]

Thanks at @BrutalBodyShots !  Rebuilding sucks.  It requires lots of patience which I have little of.

[Anonymous]

You're definitely right about that.  Patience can be acquired during the process though.  It's more or less learned.  You'll be much better with it once your rebuild is complete!