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Lowes approval and SL recon

New Contributor

Lowes approval and SL recon

Applied online, approved for $4,000. Called the back door number (877-379-8173) asked for 25k and got it!! My first ever recon,  BOOM!!  I've read time and time again on these forums to shoot for the stars and ask for that 25k!  Well worth the 4 mins on the phone!! The tips and tricks found on these forums are golden!!


Thanks all,


Have a great day! (I'm just getting off work and headed to bed real soon)



Message 1 of 11
Valued Contributor

Re: Lowes approval and SL recon

Very Nice!! Congratulations on your approval ans SL. Way to work it......Smiley Happy

American Express Business Gold(NPSL 10k) Chase CSP (25k) Pier 1(23.5k) BofA CR Siggy (20.8k) BofA BBR (22.1k) Amex BCP(4.1k) Overstock (21.1K) Lowes (17K) NFCU CLOC (15K) NFCU VS Cash (15K) Care Credit (15k) J Crew( 11.9k)Venture WMC (10.25k) Amex Everyday (1k) Chase Slate (10k) Walmart MC(10k) BB Visa (10k) Discover(4.5k☝️) PayPal Cashback Mastercard (8k) Chase FU (7.4k) Citi AAdvantage Gold World Elite (9.5K) Citi Double Cash (8.5k) Fidelity® Rewards Visa Signature® Card (6.5K) PenFed PCR (5K) PayPal Credit (4550)Discover (500✌️) Kohls (3k) Chase Freedom (1500)

Mortgage May 2017 - 2 auto loans (1 PenFed and 1 Navy) Aug 2018=98K
Gardening until Aug 2020

FICO 8 Scores EX 702 EQ 705 TU(1) 718
AAOA 4.6yrs TCL=300,700
Message 2 of 11
Valued Contributor

Re: Lowes approval and SL recon


Rebuild started in 2014  -  $100k unsecured credit in 2017  -  $400k unsecured credit in 2020.


5% Rotating - Discover                         5%-20% - Amazon & Lowes                   3-6% Groceries - NFCU & Amex Preferred
3-5% Gas - NFCU & Ducks Unl            4% Dining & Entertain - Savor               3% Travel & Hotels - Flagship, Propel, & Uber
2% Everything - Flagship & Syncrony

Message 3 of 11
Valued Contributor

Re: Lowes approval and SL recon

That's an awesome recon Op, congrats!!!  

Message 4 of 11
Valued Contributor

Re: Lowes approval and SL recon


awesome congratulations GIF by Slanted Studios

CONGRATS on your Approval, the Veru Nice SL, and the LEGENDARY SL recon!!!

AMEX BCE $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $13.7K | Citi AAdvantage WEMC $14K | Citi Costco VS $12K
Discover IT $19K | OpenSky $300 | BB&T Cash Rewards $4.5K | Synchrony (PayPal Credit $4K, Care Credit $15K, & PayPal 2% MC $10K) |
BBVA Compass Rewards VS $10.5K | NFCU cashRewards $3K | NFCU More Rewards AMEX $33.5K | NFCU Flagship VS $19K
Macy's AMEX $10.5K | Apple Card WEMC $6K | PenFed Power Cash Rewards VS $7.5K

TCL - $204K+ | Rebuilding since April 2018
Message 5 of 11
Established Contributor

Re: Lowes approval and SL recon

Congratulations on your approval and awesome recon. Enjoy all that lowes has to offer.
NFCU Flagship 23,900 Penfed PowerCash 8,750 NFCU AMEX Rewards 33,500 NFCU GoRewards 3,000
Capital One Quicksilver 6,300
Lowe’s 6,000
Barclay Apple1k
Citi Rewards+ 9,100
Citi Double Cash 13,300
Citi Simplicity 4,100
PNC Core VISA 12,500
Home Depot 1,000
Discover 10,500
BB&T Rewards 4,500 BB&T Bright Card 4,500 GS Apple 5,500 Chevron 900 Fico 8 Scores EQ=760EX=755 TU=750Scores and CL current as of 05/16/20 AAoA=2years6minths AoOA=17yrs
Message 6 of 11
Community Leader
Senior Contributor

Re: Lowes approval and SL recon

My gosh that’s an impressive recon lol. Congrats!
Discover It: 19.7k
Amex ED: 18k
Citi DC: 7.7k
Best Buy Visa: 3k
Once you go Berner, you never go back.
Message 7 of 11

Re: Lowes approval and SL recon

Does this work even if you just have a few credit cards, biggest limit is 2k.
Message 8 of 11
Frequent Contributor

Re: Lowes approval and SL recon

yes i dont think it matters with syncro just advise too have a good tu Score though

Message 9 of 11
Epic Contributor

Re: Lowes approval and SL recon

"asked for 25k and got it!!"


Big SL & Big Congrats!!!

Message 10 of 11
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