Lowes Credit Card Approval/ Increase Question

[Anonymous]

How is the easiest way to get a credit line increase with Lowes

[Anonymous]

Which bureau do they sp for cli? Is it trans like a new app?

[Anonymous]

Synchrony Bank is almost completely TU-score driven, and they use TU for credit decisions online and on the phone (I’ve seen it told that they pull EX for in-store approvals but can’t say that for sure, as I applied online).

The easiest way to get an increase is to have your TU score as high as you can. Mine was around 640 when I was approved for $300. A little less than four months later, I had made and paid off a few purchases for probably a hair under $100 combined and was able to get increased to $6000. I did my requests online. You have to call credit solutions to go above $25,000 from what I’ve heard - the luv button tops out there.

[Anonymous]

@ImTheDevil

I believe I called the credit solutions monday to get an increase on my sync card and was told unable to receive an increase. Last one I got was about 2 mths ago. TU score is above 720. It was a sp so I said why not. If its denied do you recommend calling and talking to someone else

[Anonymous]

Nope, hold off a bit. There are people who have gotten CLIs close together but I’m thinking it’s because when they got their previous one, they left money on the table. At least for Lowe’s, Synch is known for a four month interval between increases. I’m thinking someone who got a jump from $1k to $4k, and then to $7k a month later, likely could’ve gotten the full $7k the first time and just didn’t ask for enough.

When I asked for mine, I just put $1000 in and it was instantly approved, so I put in $5000 and that was instantly approved. Then I put in $10,000 and was countered at $6000. Had I asked for $10k (or the $25k that is always advised), I would’ve gotten the $6k the first time.

I bought a stove and a microwave after my increase on the 12-month, zero percent financing offer. I’ll pay it off before mid-November and go buy a washer and dryer on the 2-for-1 they typically offer on Black Friday. Then I’ll hit em up for $25k and hope they’ll counter between $10k and $17k.

[Anonymous]

Funny thing is about the last increase if I remember correctly, I was denied when I called and then maybe a week later I logged in to see how much I had available(was looking for a tv) and noticed they increased it by 2.5k. But I hear you about the holding off and maybe try in November before black friday like you stated

[HighAchiever]

I applied in June and got approved for $1k. Per this forums advise, I called immediately and received a CLI to 25k. FYI, at the time my TU score was around 760ish...  

[Anonymous]

I recently got my Lowe’s card. Approved for $2k. I called the overseas number and was declined a cli. Said they need to see history. 2 days later I called the other number and asked for $15k. Was approved. Knowing I left some on the table I called back 2 days later the same number and asked for $30k. Instantly approved. I said I was looking to do a kitchen remodel and had no idea how much a kitchen costed. She giggled, told me you know have $30k I giggled. Good times

[HighAchiever]

Yeah, that's what I said and I don't even have a house... 😂 #GoodTimes 🙌🏻 🙌🏻

[Anonymous]

What numbers did you call @Hulkcreditsmash