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Does anyone have LOWES Credit Card?

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seattlecredit08
Frequent Contributor

Does anyone have LOWES Credit Card?

Question - can anyone with LOWES card (issued by Synchrony Bank) confirm if this card reports to CRAs as:

 

Lowes                       OR

Synchrony Bank

 

How does it appear on the credit report?

 

I know it has no relationship to scores but I have an application coming up that will require a manual review and I am debating whether to apply for this card. If it reports as Lowes, it may look bad on my credit report (for what I am applying).

 

Thanks!!

Message 1 of 9
8 REPLIES 8
CommanderCody
New Contributor

Re: Does anyone have LOWES Credit Card?

Mine says syncb/lowes. Hope that helps.
Message 2 of 9
Anonymous
Not applicable

Re: Does anyone have LOWES Credit Card?

Experian - SYNCB/LOWES 

Transunion - SYNCB/LOW 

 

Probably similar to Equiafax as well.. Don't access to it right now Smiley Happy

Message 3 of 9
pizza1
Community Leader
Super Contributor

Re: Does anyone have LOWES Credit Card?


@seattlecredit08 wrote:

Question - can anyone with LOWES card (issued by Synchrony Bank) confirm if this card reports to CRAs as:

 

Lowes                       OR

Synchrony Bank

 

How does it appear on the credit report?

 

I know it has no relationship to scores but I have an application coming up that will require a manual review and I am debating whether to apply for this card. If it reports as Lowes, it may look bad on my credit report (for what I am applying).

 

Thanks!!


Why do you think it would look bad on your reports? And what are you applying for that gives you or them the impression that having "lowes" looks bad? 

Message 4 of 9
calyx
Super Contributor

Re: Does anyone have LOWES Credit Card?


@pizza1 wrote:

@seattlecredit08 wrote:

Question - can anyone with LOWES card (issued by Synchrony Bank) confirm if this card reports to CRAs as:

 

Lowes                       OR

Synchrony Bank

 

How does it appear on the credit report?

 

I know it has no relationship to scores but I have an application coming up that will require a manual review and I am debating whether to apply for this card. If it reports as Lowes, it may look bad on my credit report (for what I am applying).

 

Thanks!!


Why do you think it would look bad on your reports? And what are you applying for that gives you or them the impression that having "lowes" looks bad? 


I figured they were looking to work for a competitor (like maybe the Orange store?)

I know there are some large companies that forbid the use of a competitor's product by employees.
 

Happy practitioner of AZE7or8or9or10 | Team Finances > FICO
Message 5 of 9
_NERD
Established Contributor

Re: Does anyone have LOWES Credit Card?



@calyx wrote:
I know there are some large companies that forbid the use of a competitor's product by employees.

Isn’t that illegal in the USA? 


3B profile optimization in progress...
Message 6 of 9
Remedios
Credit Mentor

Re: Does anyone have LOWES Credit Card?

I figured OP is thinking *Store cards bad* or something along those lines 

Message 7 of 9
coldfusion
Community Leader
Mega Contributor

Re: Does anyone have LOWES Credit Card?


@calyx wrote:

@pizza1 wrote:

@seattlecredit08 wrote:

Question - can anyone with LOWES card (issued by Synchrony Bank) confirm if this card reports to CRAs as:

 

Lowes                       OR

Synchrony Bank

 

How does it appear on the credit report?

 

I know it has no relationship to scores but I have an application coming up that will require a manual review and I am debating whether to apply for this card. If it reports as Lowes, it may look bad on my credit report (for what I am applying).

 

Thanks!!


Why do you think it would look bad on your reports? And what are you applying for that gives you or them the impression that having "lowes" looks bad? 


I figured they were looking to work for a competitor (like maybe the Orange store?)

I know there are some large companies that forbid the use of a competitor's product by employees.
 


If I were to repeat here what I would tell the CEO of any company that tried to enforce that rule on me UncleB would wash my mouth out with soap.

(3/2024)
FICO 8 (EX) 846 (TU) 850 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 8 of 9
longtimelurker
Epic Contributor

Re: Does anyone have LOWES Credit Card?


@coldfusion wrote:

@calyx wrote:

@pizza1 wrote:

@seattlecredit08 wrote:

Question - can anyone with LOWES card (issued by Synchrony Bank) confirm if this card reports to CRAs as:

 

Lowes                       OR

Synchrony Bank

 

How does it appear on the credit report?

 

I know it has no relationship to scores but I have an application coming up that will require a manual review and I am debating whether to apply for this card. If it reports as Lowes, it may look bad on my credit report (for what I am applying).

 

Thanks!!


Why do you think it would look bad on your reports? And what are you applying for that gives you or them the impression that having "lowes" looks bad? 


I figured they were looking to work for a competitor (like maybe the Orange store?)

I know there are some large companies that forbid the use of a competitor's product by employees.
 


If I were to repeat here what I would tell the CEO of any company that tried to enforce that rule on me UncleB would wash my mouth out with soap.


If you haven't joined yet:  "Thank you for your interest.   However, we have now filled the position.  We will keep your name on file for future opportunities"

 

If you are employed: "Unfortunately, we are having to make cutbacks and your position is impacted....."

 

i.e. they never have to say it, just act on it!    Giving money to a competitor (absent compelling reasons) means "not a team player".

Message 9 of 9
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