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Lowe's Card $50,000! CLI before receiving the card!

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Senior Contributor

Re: Lowes $4k Auto App, Instant $35k CLI, but trying for $50k. Crossing my fingers!

Congrats on the approval and CLI!




F8 EQ: 804 | EX: 794 | TU: 801 | Accounts: 2/6 4/12 8/24
Happy practitioner of AZE9or10or11 | Team Finances > FICO
Message 11 of 29
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Community Leader
Super Contributor

Re: Lowes $4k Auto App, Instant $35k CLI, but trying for $50k. Crossing my fingers!


@MisterWives wrote:

An auto application from Lowes a home improvement store? Is that a real thing is Lowes giving out car loans or is it just called that name but is a normal credit card? Either way congrats 4k to 35k is impressive


I couldn't tell if you were being serious or not. Smiley LOL In this case, auto means automatic. Smiley Wink


DEC 2019: EX 816, TU 820, EQ 810
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macy's $20K || NFCU CLOC $15K || CitiCostco $12.7K || NFCU Platinum $12.5K || Apple Card $6.5K ||
Message 12 of 29
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Moderator

Re: Lowes $4k Auto App, Instant $35k CLI, but trying for $50k. Crossing my fingers!


@slipper wrote:
Maybe the $50k is not worth my effort. I just read 10+ one star reviews on Credit Karma regarding closed accounts. All seem to be recent.

Also, I see a lot of $35k limits. But I could not find a single review above $35k. Maybe I’m not looking hard enough?

There has never been anyone above 35K that I am aware of it seems to be the top limit but it looks like you can exceed it with proper docs. 100K is the max exposure with Synch so you might not want to take this to 50K unless you are actually going to use the limit.

Message 13 of 29
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Frequent Contributor

Re: Lowes $4k Auto App, Instant $35k CLI, but trying for $50k. Crossing my fingers!


@CreditInspired wrote:

@MisterWives wrote:

An auto application from Lowes a home improvement store? Is that a real thing is Lowes giving out car loans or is it just called that name but is a normal credit card? Either way congrats 4k to 35k is impressive


I couldn't tell if you were being serious or not. Smiley LOL In this case, auto means automatic. Smiley Wink


Haha.  Auto meaning Automatic transmission for the auto on my auto loan!  Smiley LOL

Thanks to myFICO

I went from bad to excellent credit
Almost non-existent SL to $180k+ total SL
Living with my parents to owning my own home
And I couldn’t have done it without YOU!

Revolving Portfolio: AmEx Pt NPSL, AmEx Au NPSL, Lowe's $50k, DCU Pt $35k,
HELOC $30k, CSP $24k, AmEx ED $20k, C1 QS $12k, Citi Sears $2k

What’s next? Another property, another sports car, and double my total SL!


Message 14 of 29
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Frequent Contributor

Re: Lowes $4k Auto App, Instant $35k CLI, but trying for $50k. Crossing my fingers!


@gdale6 wrote:

@slipper wrote:
Maybe the $50k is not worth my effort. I just read 10+ one star reviews on Credit Karma regarding closed accounts. All seem to be recent.

Also, I see a lot of $35k limits. But I could not find a single review above $35k. Maybe I’m not looking hard enough?

There has never been anyone above 35K that I am aware of it seems to be the top limit but it looks like you can exceed it with proper docs. 100K is the max exposure with Synch so you might not want to take this to 50K unless you are actually going to use the limit.


I like a good challenge!  I'll report the good or bad news.  Thanks for that info

Thanks to myFICO

I went from bad to excellent credit
Almost non-existent SL to $180k+ total SL
Living with my parents to owning my own home
And I couldn’t have done it without YOU!

Revolving Portfolio: AmEx Pt NPSL, AmEx Au NPSL, Lowe's $50k, DCU Pt $35k,
HELOC $30k, CSP $24k, AmEx ED $20k, C1 QS $12k, Citi Sears $2k

What’s next? Another property, another sports car, and double my total SL!


Message 15 of 29
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Regular Contributor

Re: Lowes $4k Auto App, Instant $35k CLI, but trying for $50k. Crossing my fingers!


@CreditInspired wrote:

@MisterWives wrote:

An auto application from Lowes a home improvement store? Is that a real thing is Lowes giving out car loans or is it just called that name but is a normal credit card? Either way congrats 4k to 35k is impressive


I couldn't tell if you were being serious or not. Smiley LOL In this case, auto means automatic. Smiley Wink


lol I was being serious haven't seen it used in this context before plus 35k would buy a nice car if Lowe's was giving out car loans.





Message 16 of 29
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Frequent Contributor

Re: Lowes $4k Auto App, Instant $35k CLI, but trying for $50k. Crossing my fingers!

I also hadn’t heard of an automatic application. 

PenFed Power Cash ($20,000), NFCU GoRewards Sig ($24,600), PNC Cash Rewards ($18,400), PNC Cashbuilder ($18,700), NFCU CashRewards Sig($15,000), Comenity MC ($12,000), Walmart MC ($8000), Wells Fargo CashWise Sig($7000), Amex BCE($6000), Amex ED($6600), BBVA Clear Points ($3800), Amex Cash Magnet($2000), Fifth Third Truly Simple ($4000), BB&T Spectrum Cash Rewards($4500), BB&T Bright Card($4500), CapOne Quicksilver($1500), US Bank Cash+ ($2500), US Bank Cash+ ($1,000), Overstock($13,350), Dell($3000), WF mortgage 195K Fico 8: EQ 707, TU 716, EX 723, AAoA-86 months, AoOA-23 years, Fico 9: EQ 734, TU 737, EX 713
Message 17 of 29
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Community Leader
Super Contributor

Re: Lowes $4k Auto App, Instant $35k CLI, but trying for $50k. Crossing my fingers!


@stonedog23 wrote:

I also hadn’t heard of an automatic application. 


I think he meant auto CLI Smiley Very Happy


DEC 2019: EX 816, TU 820, EQ 810
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macy's $20K || NFCU CLOC $15K || CitiCostco $12.7K || NFCU Platinum $12.5K || Apple Card $6.5K ||
Message 18 of 29
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Established Contributor

Re: Lowes $4k Auto App, Instant $35k CLI, but trying for $50k. Crossing my fingers!

Congrats on the approval and sweet limit!!











Current

Goal Cards

Message 19 of 29
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Frequent Contributor

Lowe's Card $50k limit! $4k approval, $35k CLI, $50k CLI before receiving the card!

Hey folks.  Just wanted to report that Lowe's Card/Synchrony Bank approved my $50k CLI.  Maybe i should've tried for more... LOL.  I don't see any info on the Lowe's CC for over $35k, but now i can definitively report it's very well possible.

 

In the previous thread, i mentioned how i got a $4k instant approval.  Immediately called and requested for $50k, but was countered with $35k, and the cust svc rep advised me to fax in my W-2's if i wanted to persue the $50k.  Lowe's Card didn't notify me or anything, i just happened to log into my Credit Check Total account and noticed this... My highest limit to date, by far!  If you want more info regarding a CLI for your Lowe's card, you can call their senior lending team at 866.519.6441

 

*** On a side note, my credit union called me first thing this morning and informed me my HELOC was completed and i can access my $30k immediately.  For those in Honolulu, Hawaii, i would highly recommend Honolulu Federal Credit Union.

 

Screen Shot 2019-06-18 at 11.33.34 AM.png

Thanks to myFICO

I went from bad to excellent credit
Almost non-existent SL to $180k+ total SL
Living with my parents to owning my own home
And I couldn’t have done it without YOU!

Revolving Portfolio: AmEx Pt NPSL, AmEx Au NPSL, Lowe's $50k, DCU Pt $35k,
HELOC $30k, CSP $24k, AmEx ED $20k, C1 QS $12k, Citi Sears $2k

What’s next? Another property, another sports car, and double my total SL!


Message 20 of 29
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