Lowes Denial

[Anonymous]

Ok so I applied for a lowes card to get the discount when buying some supplies to paint at our new home. Apparently I can qualify for a 172000 dollar mortgage but not a Lowes card. Got the 7-10 day message and called and was told it could not be approved. I am a little curious why an alert for a hard pull never showed on myfico. It was Monday when I applied.

[Anonymous]

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@Anonymous wrote:
Ok so I applied for a lowes card to get the discount when buying some supplies to paint at our new home. Apparently I can qualify for a 172000 dollar mortgage but not a Lowes card. Got the 7-10 day message and called and was told it could not be approved. I am a little curious why an alert for a hard pull never showed on myfico. It was Monday when I applied.

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Sorry for the decline.  Never assume that because you have a mortgage that you will be approved for a credit card.  Two entirely different credit types and approval for one or the other does not necessarily lead to the approval for another.  I would focus on the reasons for the denial and try to improve those areas.

It may take a few more days for MyFico to show an alert for the probable TU HP.

[TRC_WA]

Secured credit (mortgage) and unsecured credit (Lowe's) are 2 different things.

I am not surprised at your denial with mid 600's scores. 

The CU I financed my car with approved a $43k loan... and denied a $500 CC.

[Anonymous]

That's understandable. Especially considering bad decisions with cards caused my scores to be so low. Those decisions are fading into the background now though. Last late payment on a card just turned two years old this month. I guess time will heal. Luckily wasn't dependent on getting the card just looking for the discount that came with it.

[Anonymous]

sorry to hear that as mentioned above work on the reasons that deny you for!

good luck 

[Ron1]

Sorry to hear. I thought Lowes was easy.

Ron.

[Anonymous]

it sucks - it's like a hit or miss with HP or lowes - I've read stories on here where ppl were denied for Lowes but got approved for HP and vise versa.

[Anonymous]

Try home depot. I was approved $500 by lowes on first try and I went to home Depot, got approved for 2500 .so posses @lowes then called recon and they bumped it to $1800 when they saw I had lowes card too.

Like you I was shocked because I just got approved for a $205,000 house and was life **bleep** i's wrong with my scores for lowes. .

[Anonymous]

Try home depot. I was approved $500 by lowes on first try and I went to home Depot, got approved for 2500 .so posses @lowes then called recon and they bumped it to $1800 when they saw I had a Home Depot too.

Like you I was shocked because I just got approved for a $205,000 house and was life **bleep** i's wrong with my scores for lowes. .

[Anonymous]

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@Anonymous wrote:
Ok so I applied for a lowes card to get the discount when buying some supplies to paint at our new home. Apparently I can qualify for a 172000 dollar mortgage but not a Lowes card. Got the 7-10 day message and called and was told it could not be approved. I am a little curious why an alert for a hard pull never showed on myfico. It was Monday when I applied.

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Did you burn Synchrony/GE Capital before?  If yes, perhaps you are blacklisted...thus no HP.

I got approved for a Lowe's with way lower credit scores than you, a ton of TU inquiries and a bunch of new accounts <6 months.