Lowes Consumer Card - What To Do

[toostoosh]

I was denied just back in August, and approved a few days ago. Crazy, I know. Low limit of $300, but it will grow fast and I def won't be using it much.

[Anonymous]

Just a quick update - the denial was because of number of recent inquiries and credit history - I just did start building a few years ago when I wanted to buy a house. I think the Discover approval and Exxon approval recently plus the Care Credit I got a few months ago may have affected it. I am going to give it a month and let these new cards report and see what happens. I have already noticed my TU has finally caught up to my EQ since I got the new cards, anyone else ever see like a 40 pt gap there before? I do have several large purchases I need to make at Lowes, so hoping to get this card soon and I also shop there frequently for side projects, would love that 5% off. I will update this post when I apply again!

[Anonymous]

If you're a veteran both Lowes and Home Depot will give you an automatic 10% off every purchase. Just have to ask before they ring you up.

[drmceo]

Am I the only one that sees the person behind the counter is a Lowes regular everyday employee and has nothing to do with synchrony and their policies and procedures??? The only leverage I can see in store is synchrony feels if you are physically there you are ready to spend money.

[A1Credit]

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@drmceo wrote:

Am I the only one that sees the person behind the counter is a Lowes regular everyday employee and has nothing to do with synchrony and their policies and procedures??? The only leverage I can see in store is synchrony feels if you are physically there you are ready to spend money.

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The fact that you are applying in the store and ready to spend just may be the incentive to grant you credit in some cases where they wouldn't.  I don't think the rep would tell him that if it didn't sometimes make a difference.  Maybe I can somewhat test the theory, at least as far as credit limits go.  I plan to apply for a lowes card but I will do it in the store when I am ready to purchase flooring.  Hopefully this will better my chances.