Lowes?

[Anonymous]

Hello all, i just closed on my home! I will be needing to do minor remodeling in my home and would like to take advantage of the Lowes card. What do yall think my odds would be

True Fico

TU 625
Ex 634
Eq 658

Utlz 1%
Aaoa 1yr 1 month

55k income

4 PAID colelction accounts (sent goodwill letters)

9 inq per CR

thanks guys for the help!!

[pinkandgrey]

That’s awesome! Congrats! So exciting! As for the card, I have seen people with similar profiles get it, but I don’t want to nudge you into it only for you to be denied. I believe the Home Depot card has a prequal checker. Would that card be an option for you? Good luck!!

[Anonymous]

I have tried the Home Depot pre qual but “ no offers” Funny thing is.. for the CCs i do have before applying i would try the pre qual option and would always say “no offers” then i would apply and be accepted.. Thats so odd to me

[GMCTexas]

I can tell you if you are approved it highly likely won't be for more than $300. I had just closed on a house, scores in the mid-600s, $90k income, I was approved for $300 2yrs ago. Didn't know that you can ask for CLI online until recently. Asked for $3k, got it immediately.

[Anonymous]

Thanks for the info

which CR did they pull?

[JaseT]

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@Anonymous wrote:
Thanks for the info

which CR did they pull?

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Synchrony likes to pull TU. The Lowe's card can grow very quickly! Mine started at $300 and a year later was at $17,000.

[M_Smart007]

Lowes would probably grow faster than Home Depot, I believe Home Depot CLI's are hard pulls vs Lowes Soft Pulls.

[GMCTexas]

I just looked , it was TU. As far as me asking for $3k from $300, I had been looking around here and that's when I found you can ask for CLI online. I've never asked for a CLI before in my life, I assumed they just gave it to you once they felt you earned it. So not wanting to be greedy I asked for $2k at Amazon (SL 500, Synchrony also), approved. Then Lowes I was a little more bold and asked for $3k. I also have a Walmart store card that I've never used, it was $600. Asked for $3k, approved.

Not sure how long you have to wait to reapply for CLI. I tried at Amazon already and got denied because I had an increase recently. Next time though, I'm probably going to ask for at least 3x on all cards.

[CramEiko]

They are definately TU score driven. Higer the TU the more it seems you can ask for. All SP's so far. YMMV

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[M_Smart007]

i heard around here, that once you hit 740 score (Fico8) on TransUnion

Synchrony basically rolls out The Red Carpet for CLI's