Lowe's denied on number of hard pulls - how long to wait for re-applying

[Anonymous]

Lowe's denied my application with a credit score of 800 and only 3 hard pulls (1 mortgage, 1 car, 1 CLI) on the credit report. They pull Trans Union. I have no negative history such as collections or late payments. The hard pull number was given as reason for the denial.
I tried calling Lowe's as well as Synchrony bank - Lowe's pitched me to Synchrony, Synchrony said to call Lowe's. I asked in store and was given a number and got a guy telling me to call Trans Union. What for I don't know. I asked for a supervisor and he told me that they can't overturn the computer decision as they would have to overturn all other decisions too (really)?
In any case, any recent experience with Lowe's applications? How long should I wait to try and reapply? The mortgage was pulled in Nov 2016, car and the two credit cards (the one on it and of course now Lowe's) were all in January 2017. Any suggestions how I can get the card, how long to wait to reapply? (As a new homeowner this is of course a very handy card to have)

[patrick00032001]

That seems very odd that Synchrony Bank would deny your application for 3 credit inquires on TU? I would wait 30 days and re apply, as they probably wont reverse their decision, have you tried for Home Depot or Menards? With your credit score, you should have no problems getting approved with (Citi) Home Depot or (Cap One) Menards. Home Depot will also increase your credit line same day as approval if need be. Best of luck!

[AverageJoesCredit]

Lowes, aka Sync , must be off their rockers to not give you a card with an 800, i assume Fico, and only 3 pulls on TU. They give out limits like xandy for alot less. Is there anything about your profile that might of spooked them. Can you give some other stats on your profile like income lenghth of history etc. Maybe someone here will notice something and give you some more pointed advice. Best of luck, remember theres always Home Fepot lol

[Anonymous]

That is very strange.  I just applied and was approved for a Lowe's card about an hour ago.

TU 670

8 Inq in last 12 months

Was approved for 500, called CS asked for 15k was countered at 10K

[Anonymous]

Hello AverageJoesCredit, thanks for your opinion - sorry about the different handle, but I wasn't able to log in with the prior credentials or kmessmer for some reason.

I thought too it shouldn't be a problem, but as it turns out it is. And so far no they hold it to the computer. I'll call them once more to try and then as you suggest, I'll try again in a month - in-store this time. Somewhere I read that's supposed to be better.

[Anonymous]

Hello  patrick00032001, thanks for your opinion - sorry about the different handle, but I wasn't able to log in with the prior credentials or kmessmer for some reason.

I think I have 12 accounts - some of them are closed. The new mortgage and car loan have not yet appeard. Generally, I only use 4 of my credit cards (2 Boa, 2 Citi). I have a CareCredit, but never use it. Credit utilization is generally below 10% - it was 7 at the time they pulled the report. I have no late payments, no collections or other black marks. I think total credit history is 9 years. My income is between 75 and 90K - they asked for net, so I worked that out.

I can't see anything that would generally spook them. I had no issue getting the mortgage and car loans at the lowest available rate...

BTW - I like the Lowe's better for the 5% discout and also the Lowes is just up the road from me. Home Depot is a bit of a hike...

[Anonymous]

CincyReds1882 - when was your last credit inquiry from those 8?

Since two of them were within a week of applying for the Lowe's perhaps that is a factor. How long ago did you apply for credit before the Lowe's card?

[Anonymous]

The last week of December i did a mini spree. all from 12/27/16...

Amex Gold Delta approved

Chase Freedom Unlimited approved

Ashley Furniture Approved

Discover denied

[Anonymous]

That's interesting - but also almost a month ago. So maybe I jsut have to wait a couple of weeks and try again.

[AverageJoesCredit]

Definitly let us know how it goes. Your profile seems golden .

Im sorry Cincy, i had to chuckle, no sooner had i mentioned someone being able to go from like 500 to 15k in a single call or day on another post, or candy in this one, your post kindof illustrates my point. No disrespect intended my friend and way to go on awesome increase

But that is s perfect illustration of why Op should not have gotten denied. I understand convienance too. Everybody wants to go to Costco where i live but theres a Sams right next to my job so you gotta do what ya gotta do. I really hope you can get your Lowes.