Lowe's Credit Card What a Joke.

[Anonymous]

I decided to apply for it online rather than in store and after entering all my info and getting at least one Hard Inquiry on Transunion, the process stopped in it's tracks to want me to video myself with my government i.d. It said it would send a link to my mobile phone in order for me to video myself with my i.d.

For one, I do not feel comfortable with that and for two, I do not live in a cell service area.

What a freaking joke.

[UpperNwGuy]

This is a Synchrony card, right?

[AllZero]

That's an interesting requirement. Never read that before. Thanks for sharing the data points. Maybe call into CSR and find alternate means of ID verification?

[Anonymous]

Yes, Synchrony. I know I have had credit with them before.

[Anonymous]

That's a new one on me too. I'd definitely call and ask what's up.

[kerplunk]

Sounds like a scam. Are you confident in the legitimacy of the website you're using? Either way, I wouldn't do it.

[M_Smart007]

Never heard of that one.

[Remedios]

This is not that much different from AODs selfie with ID. 

[Anonymous]

Ok, I called their customer service number. I explained why I was calling and was transferred 3 times to state the same thing over to someone else. Finally, on the 3rd rep I spoke with he said he could have the automated system call me on my landline and give me a passcode. Luckily I have call waiting so I was able to do this and then switch back over to him to give him the code to proceed. I was finally approved and then the next debacle occured.

Only a $1,000 limit! Another joke. I have excellent credit and a decent income and have some large credit lines with other lenders. So then I was transferred again to ask for a credit line increase. Meanwhile, the phone system they have kept cutting in and out and making all kinds of noise. I planned on financing a $7k project for the 24 mo 0% finance deal. So I told the rep I wanted a $10,000 limit (so I wouldn't have it maxed out). She entered it into the system and I was declined. No counter offer, just declined. So I told her to cancel the account because I didn't want it. I told her that they must think I am a little kid offering me only a $1,000 credit line.

So now I have a Hard Inquiry for nothing. 

The terms of the Lowe's card are not good. It is a very expensive credit line and the only thing that interested me was the 24 month zero percent financing. 

STAY AWAY!

[JNA1]

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@Remedios wrote:

This is not that much different from AODs selfie with ID. 

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That’s what I was thinking. I imagine identify theft is rampant (moreso than usual) with all of the things going on right now. I’m happy to see companies take steps to cut down on that.

Plus, it makes you feel pretty good. I mean afterall, the CSR at AOD asked me to confirm my phone number AFTER seeing my selfie. Coincidence? Not in MY mind! 😂😂😜