Score needed for Lowes?

[Anonymous]

Hey folks! I am closing on my first home (!!!) on Monday and would like to apply for a Lowe's card afterward. I hear they pull TU which is good because that one is my highest. As of yesterday my TU score was 701. Do you think that is good enough to get a descent limit from them? I would really like to take advantage of their long term financing offer to finance a deck so I would need a sizable limit for the card to benefit me. What do you think?

[Meanmchine]

If your scores are good enough to close on a house, getting a Lowes should be a walk in the park

[Anonymous]

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@Anonymous wrote:
Hey folks! I am closing on my first home (!!!) on Monday and would like to apply for a Lowe's card afterward. I hear they pull TU which is good because that one is my highest. As of yesterday my TU score was 701. Do you think that is good enough to get a descent limit from them? I would really like to take advantage of their long term financing offer to finance a deck so I would need a sizable limit for the card to benefit me. What do you think?

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Don't be 100% sure on the TU pull. Sync pulled a fast one in Feb. when I applied, and pulled Ex... No problem though, it was very close to my TU score

[mrcrisp023]

I'm in the same boat, I'm closing in 2 weeks and I plan to apply for Lowe's afterward. I've been told mostly TU, but a few have told me Ex. However, credit pulls shows the vast majority having their TU pulled. I would prefer my Ex being pulled, but im not counting on it. I suggest planning on having your TU pulled.

[Appleman]

During a recent app spree I got the Lowe's card with a $2,400 limit. Scores are great, lots of inquiries.

After using the card into the second cycle (charged $150 in split charges and paid off quickly) I used the on-line chat. Asked for a CLI and they wanted to know what limit I wanted. I said $25,000 and was approved immediately.

So, get the card, use it a little, pay it off and go big (they will counter if they do not approve you for the full request from what I read).

Good luck!

[Anonymous]

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@Meanmchine wrote:

If your scores are good enough to close on a house, getting a Lowes should be a walk in the park

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You should never make that assumption.  There are plenty of people that are able to get mortgages and then are declined for credit cards, including store cards.  Two different types of underwriting as a mortgage is credit with collateral (the home) while a credit card is not.

[Anonymous]

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@Anonymous wrote:
Hey folks! I am closing on my first home (!!!) on Monday and would like to apply for a Lowe's card afterward. I hear they pull TU which is good because that one is my highest. As of yesterday my TU score was 701. Do you think that is good enough to get a descent limit from them? I would really like to take advantage of their long term financing offer to finance a deck so I would need a sizable limit for the card to benefit me. What do you think?

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Your score is fine for Lowes.  Your limit is going to be determined by your credit file and income so there is no way to know what amount you would get.  They are however pretty lenient with CLOs after approval by calling Credit Soutions.

[Anonymous]

Lowes pulled EX for me too.  Check your FICO mortgage vs FICO bank card and if the bank card scores are over 660, then odds are good.  My mortgage scores are higher than my bank card scores, but I'm still shooting for 720-740 for when I apply for my mortgage in 2017....oh, and Congrats on the new house.

[Anonymous]

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@Anonymous wrote:
Hey folks! I am closing on my first home (!!!) on Monday and would like to apply for a Lowe's card afterward. I hear they pull TU which is good because that one is my highest. As of yesterday my TU score was 701. Do you think that is good enough to get a descent limit from them? I would really like to take advantage of their long term financing offer to finance a deck so I would need a sizable limit for the card to benefit me. What do you think?

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I'm in Georgia and Lowes definitely pulled TU. Got denied online with 660'ish. In store app went straight through for $1500. Called CS at 866-519-6441 a few days later after TU jumped over 690 and got it to $12K.

You will probably not get the Cl you are looking for on the initial app but with your score you should be very successful with the CS call. Look for the $12-15K range.

[Anonymous]

@appleman What was your TU score when you first applied and then when you asked for a CLI? When you say second cycle do you me the second billing statement?