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Lowes

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scarfa21
Frequent Contributor

Lowes

I figured since i just bought a house id try for either a lowes or HD card.  I chose lowes because of the 5% off.  Apped online instant approval of 4000.  Also got an instant 25 off any order using card for the first time.  So I basically just got a free mailbox lol.  Anyways, not sure if I should call credit solutions for a CLI yet.  Tempting.  Scores below.

Message 1 of 15
14 REPLIES 14
CreditCuriosity
Moderator Emeritus

Re: Lowes

Congrats call CS and ask for 25k or 35k if you feel really risky Smiley Tongue.. I called once immediately approved and got way higher

Message 2 of 15
Cred4All
Valued Contributor

Re: Lowes


@CreditCuriosity wrote:

Congrats call CS and ask for 25k or 35k if you feel really risky Smiley Tongue.. I called once immediately approved and got way higher


I agree, you can read countless posts about this.  Call and aim high, youll hang-up ready for a stiff drink or 3!


Message 3 of 15
chhull00
Frequent Contributor

Re: Lowes

I called after approval  was 1500 called and asked for 8000 and gave it to me you should try, lot of people on here have had simular results, good luck



Message 4 of 15
Physh1
Frequent Contributor

Re: Lowes

That card will hit 25k or 35k pretty easy. I did it over 6 months with moderate use. I think I started at 2k, went to 10k (3 month mark), than 25k (5 month mark), now at 35k (6 month mark).

Message 5 of 15
CreditCuriosity
Moderator Emeritus

Re: Lowes

Sync is VERY score driven.. If you are over 740 you should be able to get to 35k, 720-739 25kish, 700-719ish 17kish.  Just examples they depend pretty much completly on TU scores obviously income plays a role and their are some exceptions to the above range, but overall that is how sync works

Message 6 of 15
Anonymous
Not applicable

Re: Lowes


@CreditCuriosity wrote:

Sync is VERY score driven.. If you are over 740 you should be able to get to 35k, 720-739 25kish, 700-719ish 17kish.  Just examples they depend pretty much completly on TU scores obviously income plays a role and their are some exceptions to the above range, but overall that is how sync works


I just minutes ago got 25K, as detailed here. TU is 752. I did not request 35K. I've had the card 60 days. 

Message 7 of 15
Meanmchine
Super Contributor

Re: Lowes


@CreditCuriosity wrote:

Sync is VERY score driven.. If you are over 740 you should be able to get to 35k, 720-739 25kish, 700-719ish 17kish.  Just examples they depend pretty much completly on TU scores obviously income plays a role and their are some exceptions to the above range, but overall that is how sync works


CC is pretty much spot on but those paraematers apply to Synchrony store cards.  Their Bankcards CLIs get  little more complex especially if you are attempting a CLI on one of their top tier cards

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>5/2023 All 3 reports 840ish (F8) F9s = 850 but my app finger is still twitching
Message 8 of 15
19eighty5
Senior Contributor

Re: Lowes

Congratulations on your new card!

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:


Message 9 of 15
scarfa21
Frequent Contributor

Re: Lowes


@Meanmchine wrote:

@CreditCuriosity wrote:

Sync is VERY score driven.. If you are over 740 you should be able to get to 35k, 720-739 25kish, 700-719ish 17kish.  Just examples they depend pretty much completly on TU scores obviously income plays a role and their are some exceptions to the above range, but overall that is how sync works


CC is pretty much spot on but those paraematers apply to Synchrony store cards.  Their Bankcards CLIs get  little more complex especially if you are attempting a CLI on one of their top tier cards


 

 

Thanks all, 

 

My Marvel card is 15k, I will try credit solutions today, but do i really need 25k for lowes? lol

Message 10 of 15
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