How do I apply for the Lowe's Credit Card?

Applicants generally need fair credit, which means a score of at least 620, to get the Home Depot Credit Card. However, having such a credit score doesn't necessarily mean that you will get approved. Credit scores are an imperfect indicator for approval, as issuers typically modify publicly-available scoring models with their own proprietary screening criteria. They also take into account numerous factors that aren't necessarily incorporated into your score, such as your income and outstanding debt.… read full answer

Lowe's uses synchrony, so yes you can. I have the home credit card and I used my on 10/10/2019 to buy an LG refrigerator. You can buy anything that's for your home.

You can request a Lowe's Store Card credit limit increase online, or by calling customer service at (800) 444-1408. You can also visit your local Lowe’s store and ask for a credit limit increase at the customer service desk. To raise your chances of being approved for a higher credit limit, pay your bill on time for at least six straight months, reduce your outstanding debt, and update your income. You will be more likely to get a credit limit increase if the revised income clearly shows that you can afford a higher limit.… read full answer

How To Get a Lowe's Store Card Credit Limit Increase Online

1. Log in to your online account.
2. Click “Services,” and then “Request Credit Increase.”
3. Enter the required information and your new desired limit.
4. Confirm the information entered and submit your request.

You should receive a decision in just a few seconds. You can also use the chat service in your online account to request a credit limit increase through a customer service agent. If you’re approved for a Lowe's Store Card credit limit increase, the new limit is effective immediately.

Impact of a Lowe's Store Card Credit Limit Increase on Your Credit Score

When you request a Lowe's Store Card credit limit increase, the issuer will conduct a soft pull of your credit report, which does not affect your credit score. However, some Lowe's Store Card credit limit increase requests may involve a hard pull, which will cause a short-term dip in your credit score. The issuer cannot do a hard pull without your permission.

Alternatively, you could be eligible for a Lowe's Store Card credit limit increase without even requesting one. The Lowe's Store Card card may offer an automatic credit limit increase if regular reviews of your account show a history of on-time payments and low debt. An automatic credit limit increase involves a soft pull, which does not affect your credit score.