Lowes CLI: from 2K to 35K in 4+ Months

Anonymous · ‎01-27-2019

Rebuilders, get a Lowe's card!

I got this card in store on 9/17/18 when I bought a new washer and dryer (good price + free delivery/install + 0% interest for 12 months = what's not to like?) SL was 2K. I'd read here that some had success calling overseas for an immediate CLI. I did that when I got home -- 8K added to create a new10K CL. Sweet.

Next CLI came at 60 days (11/17): done online, 15K to 25K.

Today, after whiffing on my other 4 Synchrony & 2 Commenity cards, I needed a pick-me-up and cashed in the last 10K CLI. Also done online.

Data Points (some perhaps useful, some perhaps entirely extraneous):

I've been at this "credit game" now for about 8 months. I started with bad Fico scores & $20,750 in total CL. I've improved my scores which allowed me to collect some useful credit lines. Current Fico 08 scores are: EX 721; TU 754; EQ 744. This CLI takes me over 200K in total CL, split almost evenly between retail and bank cards. I'd like to add another 200K in bank CL this year. I'm likely done with retail cards, other than CLI, and those not as vigorously as 2018.

AverageJoesCredit · ‎01-27-2019

Thats some real growth there

. Congrats.

MartyWrite75 · ‎01-27-2019

Congratulations on your CLI!

June 2025: Experian 772; Equifax 788; Transunion 781

Cards I Have:
Cap One QS: $600 (Sock drawer) || Cap One QS (#2): $7,500 (Sock drawer) || Discover It: $17,400 || Cap One Savor One: $600 (Sock drawer) || AMEX BCP: $10,000 || Amazon Prime Store Card: $10,000 || FNBO Rewards Visa: $2,600 || Discover Cash Back: $9,500 || Citi Custom Cash: $15,500 || Verizon VS Visa: $20,000 || Amex Hilton Honors: $12,000 || Amazon (Chase) Prime Rewards (VS): $9,500 || Citi Double Cash: $6,900

Wishlist Cards:
Paypal Mastercard || Bread Mastercard

Gardening to 6/2026(ideally)
Total Utilization: 11%
Inquiries: Exp: (2) Trans: (1) Equif: (1)

SFLSpotter9210 · ‎01-27-2019

Impressive Lowe’s CL 😎 congratulations 🎉🎈🍾🎊.

Anonymous · ‎01-27-2019

Congrats on your CLI !!!

800scoreplease · ‎01-27-2019

Wow that was fast. Congrats!

Starting Score: 727
Current Lowest Score: 820
Goal Lowest Score: 825
Take the myFICO Fitness Challenge

Anonymous · ‎01-27-2019

Congrats on the CLI. That's awesome how fast it grew.

Anonymous · ‎01-27-2019

Well Done Sir!

19eighty5 · ‎01-28-2019

Congratulations on your CLI!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Sept 2022):EX- 706, TU- 685, EQ- 684
What's in my wallet:

AMEX Delta SkyMiles Reserve | $2,800 | February 2019

AMEX Marriott Bonvoy Brilliant | $3,100 | August 2019

BOA BankAmericard AU | $4,500 | May 2004

Citi CostCo Anywhere Visa | $4,780 | March 2020

Citi Macy's Star Rewards | $11,100 | September 2021

Comenity Overstock | $7,100 | August 2018

Goldman Sachs Apple Card | $6,000 | March 2020

Synchrony CareCredit | $12,000 | October 2018

Synchrony Lowe's Advantage | $5,000 | March 2020

Audi e-tron - Audi Financial | $85K/72mo/3.24% | March 2022

bizarrocreditworld · ‎01-28-2019

@Anonymous wrote:
Rebuilders, get a Lowe's card!

I got this card in store on 9/17/18 when I bought a new washer and dryer (good price + free delivery/install + 0% interest for 12 months = what's not to like?) SL was 2K. I'd read here that some had success calling overseas for an immediate CLI. I did that when I got home -- 8K added to create a new10K CL. Sweet.

Next CLI came at 60 days (11/17): done online, 15K to 25K.

Today, after whiffing on my other 4 Synchrony & 2 Commenity cards, I needed a pick-me-up and cashed in the last 10K CLI. Also done online.

Data Points (some perhaps useful, some perhaps entirely extraneous):

I've been at this "credit game" now for about 8 months. I started with bad Fico scores & $20,750 in total CL. I've improved my scores which allowed me to collect some useful credit lines. Current Fico 08 scores are: EX 721; TU 754; EQ 744. This CLI takes me over 200K in total CL, split almost evenly between retail and bank cards. I'd like to add another 200K in bank CL this year. I'm likely done with retail cards, other than CLI, and those not as vigorously as 2018.

Congratulations on the rapid jump. Your TU was the key as Sync is TU happy.

No credit news is good credit news!