Lowes Credit Card

stonedog23 · ‎03-27-2019

Got this card in December at only $300. In February, well before the aformentioned 4 statements, I hit the luv button twice and got it up to $7,000. So it grows.

NFCU GoRewards Sig ($40,000), NFCU Cash Rewards ($33,000), PenFed Power Cash ($25,000), FNBO Evergreen Visa ($20,000), Bread Financial Rewards Amex ($19,150), PNC Cash Rewards ($18,400), PNC Cashbuilder ($18,700) , Citi Double Cash ($9600), Discover It Cash ($9000), Walmart MC ($8000), Bank of America Unlimited Cash Rewards ($7500), Fifth Third Unlimited Cash Back Mastercard ($7500), Wells Fargo Active Cash Sig($7000), Apple Card ($6000), Amex BCE($6000), Amex ED($6600), X1 Card ($5000), PNC Points ($8000), Amex Cash Magnet($2000), Fifth Third Truly Simple ($4000), Truist Spectrum Cash Rewards($4500), Truist Bright Card($4500), CapOne Quicksilver(Bucketed @$1500), US Bank Cash+ ($5,000), US Bank Cash+ ($1,000), WF mortgage 195K Fico 8: EQ 766, TU 763, EX 753, FICO 9:EQ 829, TU 812, EX 791, AAoA-97 months, AoOA-28 years

Anonymous · ‎03-28-2019

@CreditCuriosity wrote:
Sync is very score driven. They would of SP'ed your TU most likely for a CLI if your signature is accurate at 690's I would of expected them to give you 5-7k by credit solutions is that your Fico score or CK stype of score? Also yes DTI and income play a factor as well.. Had mine less than a year and at 35k. Granted as stated Sync is tier driven you can possibly get up to 17k with say a 720 tu score, 700-680 usually like 7k.. Those aren't exact numbers, but you get the idea

My TU FICO8 is currently 693. I figured it was because my mortgage broker pulled my credit three times within the last three months (story for another day smh). Is Synchrony inquiry sensitive? Also, I have 180k+ household income between my husband and I. My UTI is lik 25% (maybe that is it?)

Anonymous · ‎03-28-2019

Thanks so much everyone!

MyDataMyChoice · ‎03-28-2019

Did you Apply ONLINE or IN STORE?

If you applied Online.... wait until the card comes... then call credit solutions back.... if no dice.. 4 months.

However... if you have the cash you can Push a payment to lowes synch from your bank bill pay and you will have a 'negative' balance... and can then put the purchase on the card... to get the 5% off...

Don't forget about 10% off for military/vets at lowes...

November 2023 - Home Depot Credit Card SL $500

October 2023 - PENFED Overdraft Line of Credit $2,000

October 2023 - US Alliance Financial Overdraft Line of Credit $4,000

October 2023 - SOFI $7,000 - 15 Months No Interest and $200 Sub. 3% CB one year then 2%

October 2023 - Wells Fargo REFLECT Visa Signature SL $9,000 21 Mo Interest Free - Transferred 12K from ACTIVE Limit to REFLECT New Limit $21,000

October 2023 - Alliant Credit Union Visa Signature SL $10,000 - 2% CB

May 2022 - Wells Fargo ACTIVE Visa Signature SL $13,000 - $200 SUB - 15 Mo Interest Free then 20.24% - Transferred 12K of CL to REFLECT New Limit $1,000

Upgrade Cash Rewards Visa Signature $20,000, seems to only report high balance

May 2021 - SYNB Lowe's Advantage SL $800 - Same Day CLI to 17K | April 2022 CLI to 35K

May 2021 - BofA Customized Cash Partially Secured 99/500 | April 2022 Graduated $1500 CL

Prequal Capital One Quicksilver | SL $5,000, OCt 2023 CLI to $5,500 @ 25.49% Apr 2021 - $200 SUB, 15 Mo No Interest

PENFED Pathfinder Visa Signature | SL $5,000 @ 17.99% Apr 2021

Apple Card by Goldman Sachs | SL Feb 2021 $4,000 - CLI May 2021 to $4,500 - CLI to $7,000 April 2022 - CLI to $9,000 - March 2024 CLI to 11.5K 21.99%

DELL Preferred Account $5000 @ 17.49 - Prequalified | Feb 2021

PENFED PCR (2%CB w/ Honors) | AUG 2020 - $3,500 - CLI May 2021 - $5000 - CLI Oct 2023 $10,000@ 17.99

OLLO Dec 2019 $2,500 - Auto CLI Aug 2020 $3,100

CreditCuriosity · ‎03-29-2019

@Anonymous wrote:
@CreditCuriosity wrote:
Sync is very score driven. They would of SP'ed your TU most likely for a CLI if your signature is accurate at 690's I would of expected them to give you 5-7k by credit solutions is that your Fico score or CK stype of score? Also yes DTI and income play a factor as well.. Had mine less than a year and at 35k. Granted as stated Sync is tier driven you can possibly get up to 17k with say a 720 tu score, 700-680 usually like 7k.. Those aren't exact numbers, but you get the idea
My TU FICO8 is currently 693. I figured it was because my mortgage broker pulled my credit three times within the last three months (story for another day smh). Is Synchrony inquiry sensitive? Also, I have 180k+ household income between my husband and I. My UTI is lik 25% (maybe that is it?)

Hit the CLI button you will get more than your initial approval and should be a SP.

Anonymous · ‎04-05-2019

Congrats!!! Did you already have a Synchrony relationship before apping? I am interested in a new home improvement credit card and this is one I have had my eye on.

CramEiko · ‎04-05-2019

I applied online and recieved a nice starting limit of $3k. I called in and got it bumped to $29k that night. When I had my card in hand I called again and got it bumped to $35k (totall of 17 days - $3k - $35k = YMMV). My score ranges are between 770-815 at times and my UTI is almost always at 0% and never over 1%. Lowe's will grow if you have a credit profile they like.

Updated Feb 2023:
Citi Double Cash: $26,300
Citi Costco: $33,800
PenFed Power Cash: $50,000
Chase Freedom Unlimited: $33,400
NFCU Cash Rewards: $29,000
BoA Unlimited Cash: $99,900
Wells Fargo Active Cash: $50,000
Citi AAdvantage Executive: $30,500
Wells Fargo Mortgage 30yr fixed 3.625%

Business Cards:
BoA Business Advantage Unlimited Cash: $8,000
Chase Ink Business Unlimited: $75,000
Chase Ink Business Unlimited: $75,000

RIP: EECU PLOC | BBVA PLOC | Chase SP | Chase Amazon | Chase Freedom | WF Propel | Cap1 QS | AMEX Gold | BoA Custom Cash | Lowes | Barclays Aviator Red

Anonymous · ‎04-05-2019

Congrats!! 1k is a start and to reiterate what others have said...they can grow quick!!!

Cheers!

howellco2 · ‎04-06-2019

I have one that started with 300$ limit called asked for CLI got moved to 1200 made a few purchases PIF every month just hit the Luv button was approved for 12k

MAJOR BANK CARDS Amex BC 15k, Amex CM 1500, Amex Delta 1k, BB&T Travel 4500, BBVA 6900, CAP1QS 2600, Discover 3300, Marvel MC 6000, Wells Fargo CR 4500, Blispay 2k
CREDIT UNION CARDS DCU 2k , Robbins 10k, United1st 5k
STORE CARDS Amazon 10k, Home Depot 5k, PayPal 4k, Walmart 6k, Lowes 12k

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