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Lowe's Synchrony $5000 Approval a week ago!

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Royalbacon
Frequent Contributor

Lowe's Synchrony $5000 Approval a week ago!

Forgot to make a post for this, but I did burn Synchrony in my Chapter 7 BK back in 2020 and I did the prequalify on Lowe's a week ago and it came back at $5000 so I decided to go ahead and accept it! I burned Citi in my Chapter 7 bankruptcy on a Home Depot card and Costco card (Didn't burn them for a lot, but still burned them nonetheless) so Home Depot which is backed by Citi simply put is unobtainable for me, but I got both Lowe's and Menards now!!!

 

Not sure if i'll try to request CLI on this down the road any time this year or next year. I know how generous Synchrony can be and how fast their cards can grow but i've read too many horror stories with Synchrony that now make me feel uneasy for asking for CLI especially after my huge app spree of 5 new cards over the past few weeks.

 

Lowe's approval.png

Chapter 7 Bankruptcy Filed-September 2020 Discharged-December 2020
Kohl's Credit Card $3000 Limit (Opened October 2016) Survived Bankruptcy for whatever reason
Closed Capital One Venture One $3000 Limit (Opened December 2020, Closed by me September 2022 since I wanted the SavorOne and couldn't product change to it)
Capital One Auto Loan (Opened March 2021)
Capital One Cabela's $5000 Limit (Opened December 2021)
America First Credit Union Visa $1000 Limit (Opened December 2021)
Capital One SavorOne $5500 Limit (Opened September 2022)
Sam's Club Mastercard Synchrony Bank $2500 Limit (Opened March 30 2023) (Burned Synchrony in my CH7 BK, One card with a $745 balance)
Idaho Central Credit Union ICCU Visa $10,000 Limit (Opened April 2023)
Message 1 of 11
10 REPLIES 10
Jordan23ww
Valued Contributor

Re: Lowe's Synchrony $5000 Approval a week ago!

Congratulations on your approval!

      


Message 2 of 11
MissLiz
Regular Contributor

Re: Lowe's Synchrony $5000 Approval a week ago!

Congratulations on your approval and that awesome SL!

“A woman’s best protection is a little money of her own.” – Clare Boothe Luce
Message 3 of 11
Royalbacon
Frequent Contributor

Re: Lowe's Synchrony $5000 Approval a week ago!

Just received the physical card today, kind of crazy to see a card without a chip in 2024

Lowes Card chipless in 2024-min (1).jpg

Chapter 7 Bankruptcy Filed-September 2020 Discharged-December 2020
Kohl's Credit Card $3000 Limit (Opened October 2016) Survived Bankruptcy for whatever reason
Closed Capital One Venture One $3000 Limit (Opened December 2020, Closed by me September 2022 since I wanted the SavorOne and couldn't product change to it)
Capital One Auto Loan (Opened March 2021)
Capital One Cabela's $5000 Limit (Opened December 2021)
America First Credit Union Visa $1000 Limit (Opened December 2021)
Capital One SavorOne $5500 Limit (Opened September 2022)
Sam's Club Mastercard Synchrony Bank $2500 Limit (Opened March 30 2023) (Burned Synchrony in my CH7 BK, One card with a $745 balance)
Idaho Central Credit Union ICCU Visa $10,000 Limit (Opened April 2023)
Message 4 of 11
EAT_SLEEP_JEEP
Valued Contributor

Re: Lowe's Synchrony $5000 Approval a week ago!

Congrats

KEEPER EVERYDAY CARDS/ AMEX CHARLES SCHWAB PLATINUM NPSL/ AMEX GOLD NPSL / AMEX GREEN NPSL/ AMEX EVERYDAY PREFERRED $30,000 CL/ AMEX BLUE BUSINESS PLUS $5000 SL/ AMEX BLUE CASH EVERYDAY $18,000 / FIDELITY REWARDS VISA $23,500 SL/ NFCU FLAGSHIP $40,000 CL/ NFCU MORE REWARDS $33,000/ WELLS FARGO AUTOGRAPH $8200/ CITI COSTCO ANYWHERE VISA $6000 SL/ DISCOVER IT $3000 SL/ CAPITAL ONE SAVORONE $3000 SL

SOCK DRAWERED/ FNBO JEEP CARD $7700/ APPLE CARD $6500/ / PAYPAL CREDIT LINE $1700




Message 5 of 11
FlaDude
Valued Contributor

Re: Lowe's Synchrony $5000 Approval a week ago!

Congrats on the approval! Agree about the chipless card.

Scores: March 21 FICO 8: EX 810, TU 808, EQ 813
AoOA: closed: 36 years, open: 25 years; AAoA: 11.8 years
Amex Gold, Amex Green, Amex Blue, Amex ED, Amex Delta Gold, Amex Hilton Surpass, BoA Platinum Plus, Chase Freedom Unlimited, Chase Amazon, Chase CSP, Chase United Explorer, Citi AA Plat, Sync Lowes, Sync JC Penney - total CL 145k
Loans: Chase car loan (35k/6yrs 0.9%)
Message 6 of 11
CreditAggie
Community Leader
Super Contributor

Re: Lowe's Synchrony $5000 Approval a week ago!

Congratulations on your Lowe's approval!

Current Cards (in order of approval):

         
Current FICO 8 | 9 (June 2024):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 7 of 11
firefox100
Valued Contributor

Re: Lowe's Synchrony $5000 Approval a week ago!

Congratulations on your 5K approval, enjoy it have fun.

Message 8 of 11
keekers
Established Contributor

Re: Lowe's Synchrony $5000 Approval a week ago!

Congrats.



Message 9 of 11
creditmemo
Established Member

Re: Lowe's Synchrony $5000 Approval a week ago!

Congrats

Use it sparingly and wait a while, then ask for a cli.

They may double it, like mine.

 

Fyi:

I just had to check and none of my store cards have chips.

gl

Message 10 of 11
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