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Lowes

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Regular 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
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Moderator

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
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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
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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
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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
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Moderator

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
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Valued 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


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

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (09/16/2020): FICO 08 EXP: 747; TU: 758; EQ: 775
2020 Goal Score: 760 across the board


Take the myFICO Fitness Challenge
Message 7 of 15
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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.
>09/2020 CCT EX 818 TU 826 EQ 840

I'd get it one piece at a time
And it wouldn't cost me a dime
You'll know it's me when I come through your town
I'm gonna ride around in style
I'm gonna drive everybody wild
'Cause I'll have the only one there is around.

- Johnny Cash One Piece At A Time
Message 8 of 15
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Senior Contributor

Re: Lowes

Congratulations on your new card!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Mar 2020):EX- 689, TU- 665, EQ- 670
What's in my wallet:



On the chopping block:

Message 9 of 15
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Regular 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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