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Lowes denied increase to $25k

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trubliever82
Regular Contributor

Re: Lowes denied increase to $25k

I would just call them back. Ive been denied and called back 4 times in two days. First was denial, second one took me from like $10k to $25k. third one was denial and fourth took me to $35k. its very dependent on individual person you speak with

Message 11 of 33
mitchblue
Valued Contributor

Re: Lowes denied increase to $25k

$35k at Lowes, wow. I don't remember the last time I asked for a CLI. I have way more than I need..

 

I also don't think "my goal is $100k" is ever a good thought process.

FICO® 8 Scores 821 FICO® 9 Equifax 822 (Updated 11-7-22)
Message 12 of 33
masscredit
Valued Contributor

Re: Lowes denied increase to $25k


@trubliever82 wrote:

I would just call them back. Ive been denied and called back 4 times in two days. First was denial, second one took me from like $10k to $25k. third one was denial and fourth took me to $35k. its very dependent on individual person you speak with


I wonder why? I was origionall approved for $2K at the end of Janaruy. I then asked if they could increase that so I was transferred to a different department that asked the normal questions including how much I wanted. I asked for $10K and got it.  Some members here suggested that I call back because I probably left some money on the table so I called a few days later and got $17K.    I think I'd feel kind of strange calling to ask for an increase after I was just denied.  I was approved the other time so I was just calling to ask for more. This would be like asking Mom after Dad said "no" Smiley Happy 

 

Pre-Credit Rebuild Scores Pre-DC (3/24/22) - EQ - 524 / TU - 519 / EX - 495

Current Scores - EQ - 685 / TU - 652 / EX - 647

SDFCU Secured - $6500 / TD Bank Secured - $5000 / Andrews FCU Secured - $3000 / OpenSky Secured - $3000 / Capital One Savor - $3000 / Ally Master Card - $2500

Andrews FCU SSL $1500
Message 13 of 33
masscredit
Valued Contributor

Re: Lowes denied increase to $25k


@mitchblue wrote:

$35k at Lowes, wow. I don't remember the last time I asked for a CLI. I have way more than I need..

 

I also don't think "my goal is $100k" is ever a good thought process.


I always set goals. My problem is I bump them higher when I get closer to acheiving them. 

Pre-Credit Rebuild Scores Pre-DC (3/24/22) - EQ - 524 / TU - 519 / EX - 495

Current Scores - EQ - 685 / TU - 652 / EX - 647

SDFCU Secured - $6500 / TD Bank Secured - $5000 / Andrews FCU Secured - $3000 / OpenSky Secured - $3000 / Capital One Savor - $3000 / Ally Master Card - $2500

Andrews FCU SSL $1500
Message 14 of 33
2011XTERROR
Super Contributor

Re: Lowes denied increase to $25k

Idk if it matters who you talk to because they just plug it in the computer (unless some people aren't really doing that)
i am on mobile so i don't see your desktop signatures
Message 15 of 33
mitchblue
Valued Contributor

Re: Lowes denied increase to $25k


@masscredit wrote:

@mitchblue wrote:

$35k at Lowes, wow. I don't remember the last time I asked for a CLI. I have way more than I need..

 

I also don't think "my goal is $100k" is ever a good thought process.


I always set goals. My problem is I bump them higher when I get closer to acheiving them. 


Then you're making this into a game? Might do more harm down the road.. Obviously you make quite the living.. AndI'm kind of jealous. I'll just take my $30k salary and go in a hole Smiley Wink

FICO® 8 Scores 821 FICO® 9 Equifax 822 (Updated 11-7-22)
Message 16 of 33
2011XTERROR
Super Contributor

Re: Lowes denied increase to $25k

It's doesn't take a high income to reach $100k mitchblue.
i am on mobile so i don't see your desktop signatures
Message 17 of 33
Loquat
Moderator Emeritus

Re: Lowes denied increase to $25k

If it's true that Sync has a $100k ceiling then I certainly wouldn't want to burn a quarter of it on a Lowes store card.  That is unless you have no interest in taking advantage of some of their other offerings.  I'd much rather have that limit on a major card rather then being locked to the store...but I understand to each his or her own.  

Message 18 of 33
2011XTERROR
Super Contributor

Re: Lowes denied increase to $25k

It's an unnecessary limit on any card for personal use lol
i am on mobile so i don't see your desktop signatures
Message 19 of 33
NeverTooLate
Valued Contributor

Re: Lowes denied increase to $25k

With the highest monthly spend over 4 mos being only 5% of CL, I don't find a CLI decline surprising.

Message 20 of 33
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