@Janneman wrote:
Wowwww....That is very scary what Synch did...but thanks God that CL was able to have restored. I know its 3 months' old thread, but I would like to know if you requested for the CLI on the same day when they did CLD and online or over the phone?? Thanks
I don't know if they lowered it mid-cycle or when the statement closed, but I noticed it the day after statement date. I did it online literally a few seconds after I noticed it. Thankfully they gave it all back and I did not have to do baby steps like when I first got the card.
@bigseegar wrote:*Note to self to stop by Lowe's today and use some of my $35K to buy a screwdriver....
More like a $1 pina colada lollipop at the register. That's how I maintain my $35k.
@BadCreditBandit wrote:
@bigseegar wrote:*Note to self to stop by Lowe's today and use some of my $35K to buy a screwdriver....
More like a $1 pina colada lollipop at the register. That's how I maintain my $35k.
Someone in Lowe's inventory management is going to be wondering soon why they're seeing a lot of customers buying piña colada lollipops - and nothing else.
@LADave wrote:
@BadCreditBandit wrote:
@bigseegar wrote:*Note to self to stop by Lowe's today and use some of my $35K to buy a screwdriver....
More like a $1 pina colada lollipop at the register. That's how I maintain my $35k.
Someone in Lowe's inventory management is going to be wondering soon why they're seeing a lot of customers buying piña colada lollipops - and nothing else.
Some music to set the mood for when you get to the register.
8/8/25
2/16/26
@BadCreditBandit wrote:
@bigseegar wrote:*Note to self to stop by Lowe's today and use some of my $35K to buy a screwdriver....
More like a $1 pina colada lollipop at the register. That's how I maintain my $35k.
Welcome to the forum. I can see that you're going to be an influential contributor 
I never go there, and don't have a credit card there, but now I can't wait to get to a Lowes and try one of their pina colada lollipops
@kremonis wrote:
@K-in-Boston wrote:Dear myFICO Forums,
I never thought it could happen to me... I have long defended Synchrony and may as well have "I have had cards from them for years and have never had anything bad happen, even back when they were GE Money Bank" set as a macro. I was just logging in to check my Synchrony statements and pay the ones with balances, and was flabbergasted to see my Lowe's card limit had been slashed from $35,000 all the way down to $1500. Why would they do this to me?! I used about 7% of the limit for a 24 month 0% promo to make a purchase just a short 49 months ago, and it's only been 25 months since my last payment. Can't they see I really needed this limit?
Being a longtime myFICOer, I did what I know the proper thing is to do in these situations. I
called and yelled at the CSR and told them to just close the cardclicked two links on the website, entered a request for $35,000 and my annual income, and in seconds my limit was restored back to $35,000. I'm sure I'll be getting a slew of credit monitoring alerts when that $1500 reports and again next month when I get congratulated on my CLI.
TL;DR Lowe's card doesn't seem to like more than 2 years of inactivity. Since the 5% doesn't stack with the 10% military discount, I only use it for larger home purchases that I want 0% for xx months offers on. I should have bought a Pepsi or Delta gift card last year.
Does the Lowe's credit card 5% cash back and 10% military discount apply to gift cards sold at Lowe's? My local Lowe's sales gift cards to my prefered gas station and restaurants. It would be nice to get 5% cash back to those places by buying gift cards.
Unfortunately, no. Gift card sales (and other notable exceptions) are not valid for either the Military Discount nor the 5% discount on the Lowe's Advantage card. (Those also do not stack with each other, hence why I have only used my card for the rare 0% promotional period on large purchases.) It would be nice if they did, though. My experience with the Target card, for example, has been that I receive 5% off on gift card purchases.