Synchrony/Lowe's Card Warning!

[Anonymous]

I couldn't be bothered personally to update a spreadsheet when I use my cards.  To each their own though for sure.

[Anonymous]

Thanks for the reminder. I haven't used my Lowe's card in a year or so. Need to go by a can of paint so I can redo the shutters on the house.

[gdale6]

I use my Lowes at least once every 6 months to make sure it remains active. Shortly I will be requesting the limit be raised from 10K to 20K as I have some home projects planned that will require use of the free interest period that they offer on larger purchases.

[Anonymous]

I have a Sychrony Card that I pay off immediatley. I only use on items I purchase that are interest free for X amount of months. The interest rate is TERRIBLE..........

[MakingProgress]

I hadn't used my lowes card in about a year, I requested a sp cli got it, and then since I got what I asked for I thought I might have left some money on the table so I requested another CLI and got it too.  I went from $8,900 up to $20,000 in CL within two months.   Then I figured I should use it.  So I have a 12 months 0% purchase going.  I automated it with an auto payment of set each month so that it will be paid off in 11 months.   I don't want to take a chance of interest being charged. 

[Anonymous]

Lowe's has got to be the easiest card to SP CLI to obnoxiously high amounts right from jump street.  I took mine from a $3k SL to $30k in all of 2 days.  Could have likely gone $35k and gotten it, but $30k was more than sufficient.  There aren't many cards out there that you can grab a 10X CLI on with a SP that I know of.  My TU8 score at the time was about 730 as well, so well within reach of many.

[Anonymous]

I haven't used my Lowe's card in about 5 years. I'll have to check to see if it's been closed. But honestly this is one card I don't give a rip if it gets closed. At 10 years it's not close to being one of my oldest accounts. Account servicing is pathetic. I have a pretty low C/L and I haven't taken the initiative to call for an increase, because I just have no reason to use it. It seems like every time I go to Lowe's, I have a 10% Lowe's offer on some card (currently both BofA and AmEx) or I'm getting 5% on Home Improvement on one of my category cards. Failing that, I have a Chase Ink card that gives me 3URP per $ on Home Improvement all the time. But right now, I'd actually use Google Pay for effectively 4.5% on my USBank Altitude card. So there's just no reason for me to use this card. For a while, they were giving me a $25 bonus to put $100 on the card every year or so, and I'd bite on that, natch. But the last time I got one of those offers was, well, about five years ago. If they close mine, no tears.

Chris.

[Anonymous]

Have you even tried logging into the account or looking at your CR to see if it's open or closed?  I'd at least want to know.

[Anonymous]

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@Anonymous wrote:

Have you even tried logging into the account or looking at your CR to see if it's open or closed?  I'd at least want to know.

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Still not sure.  Logged into the lowesvisacredit.com and there's no sign that the account is closed.  But when I look at my CR, it shows a status of Closed.  It also shows that I last paid the card in 10/2012 and shows a paltry C/L of $1,500.

Chris.

[Anonymous]

For the life of me I cannot get a lowes CLI. My fico 8 scores are about 750 and my account has been been open close to 3 months. I put a small charge ~$15 on each month and paid it off before the statement date.
Each time, by phone or online it's says not enough experience, blah,blah blah. I'm stuck at a SL of ~$2000. I'm curious what might be causing this, spend, income or something else. So random!