Lowes Denied with a high credit score

Anonymous · ‎01-15-2017

I currently have a Fico score from Experian of 806 and TU a score of 790 and was denied a Lowes card yet have an unsecired Wells Fargo card. I guess they do not want my business. I would go to Home Depot but the Snow Blower I wanted was only available at Lowes. Funny how people with a credit score of 660 have been getting a card from Lowes. I did an online app a few weeks back and called today to ask the status and the woman said I was denied. Is an in store app easier and is it instant approval or denial?

BronzeTrader · ‎01-15-2017

@Anonymous wrote:
I currently have a Fico score from Experian of 806 and TU a score of 790 and was denied a Lowes card yet have an unsecired Wells Fargo card. I guess they do not want my business. I would go to Home Depot but the Snow Blower I wanted was only available at Lowes. Funny how people with a credit score of 660 have been getting a card from Lowes. I did an online app a few weeks back and called today to ask the status and the woman said I was denied. Is an in store app easier and is it instant approval or denial?

You already answered your own question. Give it a try, nothing to lose.

JoeLuvsHisCredit · ‎01-15-2017

I am so sorry. Have you try to call them for a recon? That's what I would do. Let us know what happen. Good Luck!!!!

JoeLuvsHisCredit · ‎01-15-2017

I have better luck doing aps in stores.

washpadude · ‎01-15-2017

@Anonymous wrote:
I currently have a Fico score from Experian of 806 and TU a score of 790 and was denied a Lowes card yet have an unsecired Wells Fargo card. I guess they do not want my business. I would go to Home Depot but the Snow Blower I wanted was only available at Lowes. Funny how people with a credit score of 660 have been getting a card from Lowes. I did an online app a few weeks back and called today to ask the status and the woman said I was denied. Is an in store app easier and is it instant approval or denial?

We did have a Lowe's store employee posting a couple of months ago. He indicated that in store employees can recon on your behalf to get a sale through. Is Wells Fargo your only card? Very thin file could get a denial perhaps. My scores are only mid-600's with a BK7 and my Lowe's is at 12k, and I burned Synchrony in BK.

BK CH7 Discharged 03/2015
FICO8 EQ-657 TU-657 EX-665
Revolving credit lines 125k.

BronzeTrader · ‎01-15-2017

@washpadude wrote:
@Anonymous wrote:
I currently have a Fico score from Experian of 806 and TU a score of 790 and was denied a Lowes card yet have an unsecired Wells Fargo card. I guess they do not want my business. I would go to Home Depot but the Snow Blower I wanted was only available at Lowes. Funny how people with a credit score of 660 have been getting a card from Lowes. I did an online app a few weeks back and called today to ask the status and the woman said I was denied. Is an in store app easier and is it instant approval or denial?
We did have a Lowe's store employee posting a couple of months ago. He indicated that in store employees can recon on your behalf to get a sale through. Is Wells Fargo your only card? Very thin file could get a denial perhaps. My scores are only mid-600's with a BK7 and my Lowe's is at 12k, and I burned Synchrony in BK.

You burnt SyncB all $12K?

washpadude · ‎01-15-2017

@BronzeTrader wrote:
@washpadude wrote:
@Anonymous wrote:
I currently have a Fico score from Experian of 806 and TU a score of 790 and was denied a Lowes card yet have an unsecired Wells Fargo card. I guess they do not want my business. I would go to Home Depot but the Snow Blower I wanted was only available at Lowes. Funny how people with a credit score of 660 have been getting a card from Lowes. I did an online app a few weeks back and called today to ask the status and the woman said I was denied. Is an in store app easier and is it instant approval or denial?
We did have a Lowe's store employee posting a couple of months ago. He indicated that in store employees can recon on your behalf to get a sale through. Is Wells Fargo your only card? Very thin file could get a denial perhaps. My scores are only mid-600's with a BK7 and my Lowe's is at 12k, and I burned Synchrony in BK.
You burnt SyncB all $12K?

No, my Lowe's limit is at 12k. I had Sam's Club and Amazon prior to BK, burned Synchrony for about 5k. Currently, Synchrony has extended me about 40k in credit, so I guess they weren't too upset about the BK.

BK CH7 Discharged 03/2015
FICO8 EQ-657 TU-657 EX-665
Revolving credit lines 125k.

BronzeTrader · ‎01-15-2017

@washpadude wrote:
@BronzeTrader wrote:
@washpadude wrote:
@Anonymous wrote:
I currently have a Fico score from Experian of 806 and TU a score of 790 and was denied a Lowes card yet have an unsecired Wells Fargo card. I guess they do not want my business. I would go to Home Depot but the Snow Blower I wanted was only available at Lowes. Funny how people with a credit score of 660 have been getting a card from Lowes. I did an online app a few weeks back and called today to ask the status and the woman said I was denied. Is an in store app easier and is it instant approval or denial?
We did have a Lowe's store employee posting a couple of months ago. He indicated that in store employees can recon on your behalf to get a sale through. Is Wells Fargo your only card? Very thin file could get a denial perhaps. My scores are only mid-600's with a BK7 and my Lowe's is at 12k, and I burned Synchrony in BK.
You burnt SyncB all $12K?

No, my Lowe's limit is at 12k. I had Sam's Club and Amazon prior to BK, burned Synchrony for about 5k. Currently, Synchrony has extended me about 40k in credit, so I guess they weren't too upset about the BK.

I guess it is like a marriage, love and hate!!

AverageJoesCredit · ‎01-15-2017

Sorry op for denial. Perhsps you can give a few more details on your profile. If its thin like mentioned that could be the problem but your scors are really good. This could just be the case that scores arent the only thing looked at when apping. If your credit history is short or new could be a factor.

Anonymous · ‎01-15-2017

Longest account is 7 years. Have a car payment as well as the Wells Fargo card. No lates no derogatory's and no public records. One inquiry on EX but none on TU or EQ. Think I might apply in person. I am looking to get a snow blower, Amazon has the same one I was looking at online at Lowes, a little cheaper as well. Just for the heck of it I applied for the Amazon card and was approved for $2200.00. roblem is they have scheduled delivery and I doubt they have scheduled deliveries on Saturdays. Also I would have to put it together from Amazon where Lowes would do the assembly and might be able to get a Saturday delivery from Lowes.