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Holy Crap! Lowes increased to $25k!

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Established Member

Holy Crap! Lowes increased to $25k!

So I applied for lowes expecting a CL of around $500 but planned to recon for an increase per the many threads here. To my surprise I got a starting CL of $2k. So this morning I call to request a CLI to $25k thinking they would counter with $5-10k. They gave me the whole 25k. Just wow. Mind you, I only have 9 months of credit history is why I'm so shocked. My current scores are EQ 721 TU 740 EX 745
Message 1 of 11
10 REPLIES 10
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Super Contributor

Re: Holy Crap! Lowes increased to $25k!

Wow that is fantastic#! Congratulations! 😄
Message 2 of 11
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Valued Contributor

Re: Holy Crap! Lowes increased to $25k!

Very nice!!! I've thought about trying to increase my Lowes limit but I don't want to poke the bear. I'm just going to fly low on their radar now Smiley Happy 

Cap 1 - $23,000 / Barclay Apple Rewards - $18,000 / Lowe’s - $17,000 / Cap 1 - $15,000 / Walmart - $15,000
Cap 1 - $12,000 / PenFed - $10,000 / JC Penney - $10,000 / Discover IT - $9700 / Discover IT - $7500
NFCU - $8800 / Barclay Rewards - $5400 / DCU - $5,000 / Merrick - $2400 - Total - $158,800

EQ - 769 / TU - 766 / EX - 759
Message 3 of 11
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Community Leader
Mega Contributor

Re: Holy Crap! Lowes increased to $25k!

Thats s super jump for 1 phone callSmiley Happy Congrats and enjoySmiley Happy
Message 4 of 11
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Super Contributor

Re: Holy Crap! Lowes increased to $25k!

Sweet increase!

 

Lowe's has been known to give $30k - $35k limits to those with scores in your range so you honestly probably could have squeaked out even more.

 

I was approved with $3k when my credit score was about 725-730 and called right away to request $30k and instantly got it.  I was going to call back and ask for $35k after reading on these forums, but honestly $30k is already a ridiculous limit for a store card so no need Smiley Happy

Message 5 of 11
Valued Contributor

Re: Holy Crap! Lowes increased to $25k!

I hope you nevr have to carry a large balance with them.... the APR on those store cards .. YIKES

All 3 780's
All Chp7, Judgements , CO's now legally clean from scores low 600's just using this forum
Chase Amzn 8.5k , Citi BB 5k, Citi Gdyr 5K, Amzn Store 12k, SallieMae 12k Amex BCE 36k , PenFed Promise 50k +15k PLOC, NFCU Plat 48k, NFCU Rewards 15k, CareCredit 25k
Message 6 of 11
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Valued Contributor

Re: Holy Crap! Lowes increased to $25k!

Wow significant instant padding. sit back a couple of months and you should be able to get increases on all the bank cards
Open one, close three. Open one, close three.
Message 7 of 11
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Valued Contributor

Re: Holy Crap! Lowes increased to $25k!

Awesome limit! Congrats!


Current Scores 3/2016 Equifax 676 Transunion 697 Experian 648 Goal Scores: 720's accross the board. Gardening Goal: 3/2017
Message 8 of 11
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Super Contributor

Re: Holy Crap! Lowes increased to $25k!


@smarzig wrote:

I hope you nevr have to carry a large balance with them.... the APR on those store cards .. YIKES


I never carry a balance on ANY of my cards.  I don't even know (or care) what my APR is on any of my cards; my creditors could raise my APR's to 99.99% and not only would I not care, but I wouldn't even know as I never carry balances.

Message 9 of 11
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Established Member

Re: Holy Crap! Lowes increased to $25k!

I won't carry a balance unless it's the special financing or the 18 month zero interest. I'm just happy about the extra padding for utilization purposes.
Message 10 of 11
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