Lowe's Advantage Card

[Ravensfan899]

I'm looking to do some home Renovations pretty soon so I've been eyeballing this card. I did the pre-qualify and it came back with $4,500. My question is if that ended up being the starting limit how is Synchrony with credit limit increases if I was to call on the spot and ask for a reconsideration on the starting limit.

[fury1995]

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@Ravensfan899 wrote:

I'm looking to do some home Renovations pretty soon so I've been eyeballing this card. I did the pre-qualify and it came back with $4,500. My question is if that ended up being the starting limit how is Synchrony with credit limit increases if I was to call on the spot and ask for a reconsideration on the starting limit.

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The only way to know for sure is to call Credit Solutions after you're approved. Tell them what your intentions are and they should respond appropriately. Most people follow that path with success.

Good luck!

[NRB525]

I got a Lowes card in early 2021, to match a house we bought. Intended to buy carpet from Lowes on the card.

Initial limit was not enough, so I called them to ask for an increase to $20k, to have lower utilization for the carpet purchases. They didn't have a problem approving the increase, but wanted to go through verifications as the card was not yet in hand. If you call them after you have the new card, and activate it, it may be a slightly simpler process to get the increase.

If there is a combination of good credit and a stated intent to buy a bunch of items at Lowes, those two factors should help to get a CLI.

Good luck!

[LakeLife]

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@Ravensfan899 wrote:

I'm looking to do some home Renovations pretty soon so I've been eyeballing this card. I did the pre-qualify and it came back with $4,500. My question is if that ended up being the starting limit how is Synchrony with credit limit increases if I was to call on the spot and ask for a reconsideration on the starting limit.

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They are pretty liberal with increases.  We put a little spend on my wife's when she first got it (a snow blower), paid it off right away, and were then able to get a 3X CLI on it.

[M_Smart007]

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@Ravensfan899 wrote:

I'm looking to do some home Renovations pretty soon so I've been eyeballing this card. I did the pre-qualify and it came back with $4,500. My question is if that ended up being the starting limit how is Synchrony with credit limit increases if I was to call on the spot and ask for a reconsideration on the starting limit.

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@Ravensfan899,

The Lowe's card ..can grow pretty fast ..All with $46.28 spend

Approved $7000.00 on 9-15-21

Credit Limit $35,000.00 on 10-14-2021

[Rogue46]

Call the recon line they will ask you how much you want, Just tell them you want to do some renovations and pick a number. My wife did the same thing after they gave her $5k she asked for $15k and was approved. My lowes card started at I believe $7500 and hitting the CLI button ever month its now at $35k. Beyond that I understand they want to see proof of income 

[Ravensfan899]

Thanks for the feedback everyone!

[reluctantgarden]

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@M_Smart007 wrote:

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@Ravensfan899 wrote:

I'm looking to do some home Renovations pretty soon so I've been eyeballing this card. I did the pre-qualify and it came back with $4,500. My question is if that ended up being the starting limit how is Synchrony with credit limit increases if I was to call on the spot and ask for a reconsideration on the starting limit.

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@Ravensfan899,

The Lowe's card ..can grow pretty fast ..All with $46.28 spend

Approved $7000.00 on 9-15-21

Credit Limit $35,000.00 on 10-14-2021

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You weren't kidding, sir: With $0 spend, approved for $9k on Tuesday night, chatbot-granted CLI to $35k on Wednesday morning