Lowes denied any CLI in chat.

[Anonymous]

After reading several posts here that Lowes is normally pretty generous with CLI and that it's a soft pull through chat. I went ahead and logged in and asked. I've had my account for almost a year, got one non automatic CLI through a manual request on the site since I've had the account to a CLI of $1500, pulled up chat and went ahead and asked for the full 25k like so many have suggested expecting they would counter the request if necessary. Instead I got a flat out decline no counter. Scores are in the 710 range right now and there is no balance on the card. Any idea why? I guess this being the case I may want to rethink apping for some other accounts if something that is normally an approval was flat out declined.

[Anonymous]

---

@Anonymous wrote:

After reading several posts here that Lowes is normally pretty generous with CLI and that it's a soft pull through chat. I went ahead and logged in and asked. I've had my account for almost a year, got one non automatic CLI through a manual request on the site since I've had the account to a CLI of $1500, pulled up chat and went ahead and asked for the full 25k like so many have suggested expecting they would counter the request if necessary. Instead I got a flat out decline no counter. Scores are in the 710 range right now and there is no balance on the card. Any idea why? I guess this being the case I may want to rethink apping for some other accounts if something that is normally an approval was flat out declined.

---

Hard to say why with your scores.  Must be something in your file that worries them.  Is income a possibility?  Also, what are your high credit limits now?

[kdm31091]

---

@Anonymous wrote:

After reading several posts here that Lowes is normally pretty generous with CLI and that it's a soft pull through chat. I went ahead and logged in and asked. I've had my account for almost a year, got one non automatic CLI through a manual request on the site since I've had the account to a CLI of $1500, pulled up chat and went ahead and asked for the full 25k like so many have suggested expecting they would counter the request if necessary. Instead I got a flat out decline no counter. Scores are in the 710 range right now and there is no balance on the card. Any idea why? I guess this being the case I may want to rethink apping for some other accounts if something that is normally an approval was flat out declined.

---

This is why it is not good to rely on trends. Many people have gotten their Lowes cards raised to huge limits. It doesn't mean that all underwriting is abandoned and 25k limits are just given to people because they asked, though.

Do you have a lot of recent accounts?

[Anonymous]

10k would be my highest CC also have a 15k LOC. I thought this would be an interesting test as I've been planning to app for CSP once a couple of changes hit my CR. I was a little surprised by the flat no. I guess these lates from last year may be an even bigger issue than I had expected (and I knew that they were a problem). Grrr...haven't been late in 7 years and then stuck in a short term bind for a couple of months and have to miss a couple...I don't think income is the issue: 200,000-250,000.

[Anonymous]

Nope. Haven't opened anything since 2013. I did recently get a personal loan from Lending Club but it hasn't posted to any bureau yet or even registered a HP yet.

[Anonymous]

Would it make any difference to call the BO #? Or would they be the same as chat? I legitimately have a rental property that is going to be vacant end of next month and will need to do some modifications, figured having an increase on Lowes would help.

[Anonymous]

What has been your usage on the card. I THINK this was one where I asked for an increase and was told no. Then used the card to buy a few small things. Then got 3k-->6k

[baller4life]

I never use chat. Backdoor only. Worth a try.

[PrimeRate]

It's definitely the recent lates. How delinquent did you end up? 30, 60, 90 or more?

[Credit-hoarder]

OP: Chat or Back-door is going to be the same--if they're going to deny you...they're going to deny you no matter which one you use. I recently was approved for Lowe's also in-store and got a $1.5K SL, called BD# and reconned up to $5K...tried chat next day to get to $10K....no dice. I told them I was planning to rip out my kitchen and upstairs bathroom....which is the truth---eventually.