Lowes and Home Depot + Recons Need Advice.....

[Anonymous]

Well instantly approved for HD (citi) unfortunately only $500.  I forgot Citi was in my past as a bad account, so they might have a long memory.  Called in for recon and was told no.

Figured, ok Sync is ok, and I had great relationship with Lowes(GE) back in the day.  Give them a shot, instant approve -$737.  Call for recon- nope not today.  Letter coming in 7-10 days.

This sucks. Been doing pretty good and just closed on the house, thought I would be ok for one of these at a decent SL.  So- whats best way to get past this?  Use and PIF for a few months?

Does CITI and Sync operate like that?  I see mixed reviews in my search here, and no real CLI schedule for either....Thank you

[JimBo99]

For the Lowe's card.  Ask again after the 3rd statement.  I went from 8000 to 17000 ( I also went from 1500 to 8000 at approval).  I bought a Weber Grill about a month after I had the card, with 12 mo zero interest, I'm making payments, not PIF, so I dont think they care if you carry a balance or not, they just want to see responsible use, I'm guessing.

I only got, and stuck with, 500 from HomeDepot to in the same boat as you.

[garagebandking]

Congrats on the house! I can't speak to HD...but have had Lowes for almost a year.

I'm with JimBo...use the Lowes card a bit and pay it on time...and try again in a few months.

When you called for recon...did you speak with Credit Solutions? They're typically the ones that yield a positive result if possible. I believe Lowes opens the purse strings a bit when you get over 700 on TU. I'm reasonably sure I was around 700 score when I opened it in August 2016...and within a few months it was up at 35k of so through speaking with Credit Solutions.

Word of warning though...Synchrony had been doling out those blue envelopes...I'm not sure if that's settled down or not...haven't seen anything new.

With some use/time...it will grow. At least you're in the door!