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Lowes cli question

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Tomgon1981
Frequent Contributor

Lowes cli question

Applied for lowes got low limit would like to know best way to treat card to get best chances for cli I already called CS no luv done automated cli declined any help would be appreciated

Message 1 of 23
22 REPLIES 22
Kenny
Moderator Emeritus

Re: Lowes cli question

Call Credit Solutions: GECRB -Credit Solutions 877-379-8173

You'll have better results with them than with Lowe's CSRs.

Good luck!

 

But to answer your question: I've gone to 10k with a grand total of like 30-50 dollars usage. lol

Message 2 of 23
yudeology101
Senior Contributor

Re: Lowes cli question


@KennyRS wrote:

Call Credit Solutions: GECRB -Credit Solutions 877-379-8173

You'll have better results with them than with Lowe's CSRs.

Good luck!

 

But to answer your question: I've gone to 10k with a grand total of like 30-50 dollars usage. lol


+1,  I was approved for the initial $500 and called CSolutions right away and asked for $45k and they countered w/ $12k!  I told them that i need to build a house for my cat. Smiley Wink

JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +23more
Scores: EQ:671 (FICO 11) EX:686 (FICO N/C) TU:686 (FICO N/C) *8-5-14*
Overall UTIL: 14% *Gardening Since: 1/20/16*
------------------------------------------------------------
Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 since 12-12-13)
Message 3 of 23
TRC_WA
Senior Contributor

Re: Lowes cli question

India Credit Solutions is a YMMV thing.

I have over $9200 across 4 cards with a total balance of about $400... PIF for 6 months and all I've gotten was a $100 auto CLI on my Walmart last month.

Calls have resulted in denials. I was excited after reading these forums and was quickly shot down by their reps.

Don't care... Don't need the credit. Just pointing out a CLI isn't as easy as people here make it sound.
FICO8 current as of : 4-6-25 EQ: 736 TU: 728 EX: 722
Hard INQs last 12 months: EQ: 0 | TU: 0 | EX: 0
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 31% --- AAoA: 6.5 years --- Income: $200k
Last app: 4-6-24
Message 4 of 23
Kenny
Moderator Emeritus

Re: Lowes cli question

Never used Credit Solutions at all.. only the luv button online.
Message 5 of 23
Tomgon1981
Frequent Contributor

Re: Lowes cli question

Got shot down thru Customer Solutions asked for $5,000 not even a counter offer is it a one and done with them or just depends on who you get on the phone 

Message 6 of 23
Kenny
Moderator Emeritus

Re: Lowes cli question


@Tomgon1981 wrote:

Got shot down thru Customer Solutions asked for $5,000 not even a counter offer is it a one and done with them or just depends on who you get on the phone 


Well, hate that for you. Smiley Sad Time, using it, and paying it off is really all you can do. The luv button is awesome though, like I said before. Every 4 statements you can get a CLI. So just keep asking if you're denied in the month before.. eventually you'll get it. Best of luck and patience!

Message 7 of 23
09Lexie
Moderator Emerita

Re: Lowes cli question


@TRC_WA wrote:
India Credit Solutions is a YMMV thing.

I have over $9200 across 4 cards with a total balance of about $400... PIF for 6 months and all I've gotten was a $100 auto CLI on my Walmart last month.

Calls have resulted in denials. I was excited after reading these forums and was quickly shot down by their reps.

Don't care... Don't need the credit. Just pointing out a CLI isn't as easy as people here make it sound.

Correct, it is a YMMV.  I find that Credit Solutions are generous with cleaner files. If your siggy is correct, the discharged bk in 2013 is holding you back. 

Message 8 of 23
j_casteel
Valued Contributor

Re: Lowes cli question


@09Lexie wrote:

@TRC_WA wrote:
India Credit Solutions is a YMMV thing.

I have over $9200 across 4 cards with a total balance of about $400... PIF for 6 months and all I've gotten was a $100 auto CLI on my Walmart last month.

Calls have resulted in denials. I was excited after reading these forums and was quickly shot down by their reps.

Don't care... Don't need the credit. Just pointing out a CLI isn't as easy as people here make it sound.

Correct, it is a YMMV.  I find that Credit Solutions are generous with cleaner files. If your siggy is correct, the discharged bk in 2013 is holding you back. 


+ 10,000

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Message 9 of 23
TRC_WA
Senior Contributor

Re: Lowes cli question

Yes my sig is correct and I'm sure that my BK is holding up the love from GECRB.

I just think it's funny I can get auto CLIs for $500 and $1000 from Cap One/Barclay but GE insults me with $100.

My profile is complete... Gardening till the 13 falls off in 22 months. 700 coming soon...
FICO8 current as of : 4-6-25 EQ: 736 TU: 728 EX: 722
Hard INQs last 12 months: EQ: 0 | TU: 0 | EX: 0
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 31% --- AAoA: 6.5 years --- Income: $200k
Last app: 4-6-24
Message 10 of 23
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