Lowes help

awp317 · ‎04-26-2014

@KennyRS wrote:
Hmmmm, can't speak of a CLD on Lowe's. Odd. What was your limit before?

it was 10,200, when i first got the card I was given a 7800 dollar limit, upped to 10k by a phone call that took forever and had me tell them my life story back in 2011, and ever since then they never approved it to go higher.

Amex Platinum NPSL I Chase Sapphire Reserve 78K I Chase Freedom U 55k I JP Morgan Ritz 50k I B OF A Cash Rewards 50k I Barclay Black Luxury 43,750 I Capital One QuickSilver 40K I Amex BCP 34k I Amex Optima Platinum 30k I Barclays Arrival+ World E 29k I Merril+ 27,800 I Lowes 25k I Pen Fed PR Visa Sig 20K I Home Depot 17k I NFCU Cash Rewards 8k

Amex Biz Platinum NPSL I Lowes Business 42k I Amex Simply Cash + $22,500 I Chase Ink 21K I B of A World Points $20,500 I B of A Bus MasterCard 16k I Amex SPG 3K.

Kenny · ‎04-26-2014

Sounds like something that I would want no part of. It's why I stick to only hitting the luv button. lol

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CreditUnionFan · ‎04-27-2014

@awp317 wrote:
@KennyRS wrote:
Hmmmm, can't speak of a CLD on Lowe's. Odd. What was your limit before?
it was 10,200, when i first got the card I was given a 7800 dollar limit, upped to 10k by a phone call that took forever and had me tell them my life story back in 2011, and ever since then they never approved it to go higher.

What was the account utilization? Although rare, if I had a $10k CL on a card, but only used a small amount, it wouldn't surprise me if the issuer took some of the credit line back as a CLD.

I was going to garden... Honest!

awp317 · ‎04-30-2014

Called back today, spoke with thier main credit solutions line not lowes credit. Asked for 20k, and she came back approved, I told them I needed new doors and windows installed in my new house (which is true but I was going to write a check for this and hire a local company to do it) and that was enough reason to give me the limit. So some how I went from 10k, down to 3k, up to 20k. Go figure. But I will take it. Now if they would approve my company for a card I would be over joyed, but they keep shooting me down for that so whatever.

Amex Platinum NPSL I Chase Sapphire Reserve 78K I Chase Freedom U 55k I JP Morgan Ritz 50k I B OF A Cash Rewards 50k I Barclay Black Luxury 43,750 I Capital One QuickSilver 40K I Amex BCP 34k I Amex Optima Platinum 30k I Barclays Arrival+ World E 29k I Merril+ 27,800 I Lowes 25k I Pen Fed PR Visa Sig 20K I Home Depot 17k I NFCU Cash Rewards 8k

Amex Biz Platinum NPSL I Lowes Business 42k I Amex Simply Cash + $22,500 I Chase Ink 21K I B of A World Points $20,500 I B of A Bus MasterCard 16k I Amex SPG 3K.

Kenny · ‎04-30-2014

@awp317 wrote:
Called back today, spoke with thier main credit solutions line not lowes credit. Asked for 20k, and she came back approved, I told them I needed new doors and windows installed in my new house (which is true but I was going to write a check for this and hire a local company to do it) and that was enough reason to give me the limit. So some how I went from 10k, down to 3k, up to 20k. Go figure. But I will take it. Now if they would approve my company for a card I would be over joyed, but they keep shooting me down for that so whatever.

I thought you were speaking with Credit Solutions before! lol Well Congrats!

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awp317 · ‎05-01-2014

@KennyRS wrote:
@awp317 wrote:
Called back today, spoke with thier main credit solutions line not lowes credit. Asked for 20k, and she came back approved, I told them I needed new doors and windows installed in my new house (which is true but I was going to write a check for this and hire a local company to do it) and that was enough reason to give me the limit. So some how I went from 10k, down to 3k, up to 20k. Go figure. But I will take it. Now if they would approve my company for a card I would be over joyed, but they keep shooting me down for that so whatever.
I thought you were speaking with Credit Solutions before! lol Well Congrats!

I thought I was too. I was speaking to the number on the back of my CC (which was the first number listed on the website sticky) I ended up calling another number which handles every GE card apprently, much more helpful.

Amex Platinum NPSL I Chase Sapphire Reserve 78K I Chase Freedom U 55k I JP Morgan Ritz 50k I B OF A Cash Rewards 50k I Barclay Black Luxury 43,750 I Capital One QuickSilver 40K I Amex BCP 34k I Amex Optima Platinum 30k I Barclays Arrival+ World E 29k I Merril+ 27,800 I Lowes 25k I Pen Fed PR Visa Sig 20K I Home Depot 17k I NFCU Cash Rewards 8k

Amex Biz Platinum NPSL I Lowes Business 42k I Amex Simply Cash + $22,500 I Chase Ink 21K I B of A World Points $20,500 I B of A Bus MasterCard 16k I Amex SPG 3K.

Kenny · ‎05-01-2014

@KennyRS wrote:
@awp317 wrote:
To update this we called the back door number I found on this site (thanks!!), first to handle hers and they said she was approved for 600 dollars. We just laughed. Then said we need way more than that or we will cancel. They transferred her to a nice lady with a very thick accent and we asked for 25k, they counted with 22,700 (wierd number i know) and we took that happily. about 30 min later I called and asked about my lowes card and why it had been dropped to 3k avalible credit, and they said that I could apply for more but it would be an HP. So I guess im going to see if home depot will grant me a card as im not sure I want to take an HP for a maybe with lowes, when I could start fresh with home depot, I was really hoping to garden for a good two years, but Im a heavy shopper at home improvement stores since neither HD or lowes will give my company a card always declined saying "years in buisness not listed on bureau". We are working on fixing this, but theres no way around that even in recon. My transunion score is the strongest though and has the least inquries. Which is why I have a little more faith in lowes. Im not sure who citi pulls for home depot.
Lowe's should not be a HP for CLI. I don't know why they said that. Citi pulls TU for Home Depot CLIs which is what you'll probably have to do upon approval as I highly doubt they will give you the limit you desire at first.. upon approval you can log in and request a CLI online for a large amount 20-30k and I'm sure it will be approved. I would try to call credit solutions back on the Lowe's and ask them to raise your limit.

I think this will work out with 2 HPs from Citi or zero from Lowe's.. there shouldn't be one from GE -- I've never heard of a HP for CLI with Lowe's.. has anyone else?

lol, I thought you did! All that matters is you got it all adjusted! Yay!

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alvon123 · ‎05-02-2014

@awp317 wrote:
Called back today, spoke with thier main credit solutions line not lowes credit. Asked for 20k, and she came back approved, I told them I needed new doors and windows installed in my new house (which is true but I was going to write a check for this and hire a local company to do it) and that was enough reason to give me the limit. So some how I went from 10k, down to 3k, up to 20k. Go figure. But I will take it. Now if they would approve my company for a card I would be over joyed, but they keep shooting me down for that so whatever.

congrats!!