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Lowes CLI HP or SP?

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MyDataMyChoice
Valued Contributor

Lowes CLI HP or SP?

I was speaking to an agent on chat asking for CLI

 

 Please be advised that your request will be subject to credit approval and we will be pulling up your credit report. Would you like me to continue processing your request?

 

So i asked if it was a soft pull...

 

there response:

 Your request for a credit limit increase may result in an inquiry on your credit bureau. It's difficult for us to determine with certainty whether or not there will be an inquiry when processing a credit line increase request. You may also contact the credit bureaus for information on how this could impact your credit.


All Negatives History Removed as of October 2025 - Only BK CH7 Showing as Public Record

                       
Lines of Credit:   
Personal Loan:  

Total Reported Revolving CL: $162,450 + 26K PLOC = $188,450

Message 1 of 6
5 REPLIES 5
Tszone
Regular Contributor

Re: Lowes CLI HP or SP?

It has always been a soft for me. A couple days ago I went from 2.5k to 17k with a soft.

Message 2 of 6
Anonymous
Not applicable

Re: Lowes CLI HP or SP?

its usually a SP correct. but they can do HP if they want to.

Message 3 of 6
Creditaddict
Legendary Contributor

Re: Lowes CLI HP or SP?

don't ask these people about credit pulls.. it's above their pay scale...

just do chat and request $25k and they will counter back.... probably $17k based on what others including myself got!

Message 4 of 6
Anonymous
Not applicable

Re: Lowes CLI HP or SP?

DH went from 3K to 25K via chat with a SP. It may be a YMMV thing.
Message 5 of 6
racer-x
Valued Contributor

Re: Lowes CLI HP or SP?


@Creditaddict wrote:

don't ask these people about credit pulls.. it's above their pay scale...

just do chat and request $25k and they will counter back.... probably $17k based on what others including myself got!


Well, guess what?....I just online chatted with Lowes, requested $25k and got $17k !!  My current CL was $8500, so they doubled it to $17k...cowinkydink?, maybe or $17k is a magical number.

 

Oh, and I didn't get any of that credit bureau, inquiry, jibberish that the other poster was getting from the chat rep.

Message 6 of 6
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