You can submit a Lowe's credit card application online or at a Lowe’s location. The easiest way to apply is by filling out a Lowe’s credit card application online. Click “Apply Now,” then start by filling in the last 4 digits of your Social Security number and your phone number. Follow the instructions to complete your application. You’ll have to provide more personal information, including your address, full SSN, and salary.
Alternately, you can apply for the Lowe’s store card in person at any Lowe’s location. Ask your cashier about filling out an application, or go to the customer service desk. If you’re approved the same day, you’ll be able to use the card for your purchases. New cardholders are usually eligible for a discount on their first purchase, regardless of whether they’re approved the same day they apply.
If you have applied for the Lowe’s Credit Card but haven’t yet received a decision, you can check the status of your application by calling 800-445-6937 and choosing the “Lowe’s Credit Card” option.
It's usually better to apply online, simply because you might get approved instantly. After you get approved, you can then take the card and get 10% off your first purchase, up to $100 off. It’s a pretty good deal, especially if you had been planning on making a big Lowe’s purchase.
A credit score of 640 or higher is needed for a Home Depot card. That’s the case for the Home Depot Credit Card and the two Home Depot business credit cards. All three Home Depot credit cards are store cards, meaning they can be used only at Home Depot. Their 640+ credit score requirement is consistent with that of other store credit cards. … read full answer
Just having the credit score needed for a Home Depot card doesn’t guarantee approval. Other factors taken into account include income, employment status, payment history, debt level and more. All Home Depot credit cards are issued by Citibank.
Here is more on the credit score needed for Home Depot cards:
Age requirement: Must be at least 18 years old. If under 21 years old, must have proof of independent income or a co-signer.
Residency requirement: Must be a U.S resident. Address must be a physical location in one of the 50 U.S. states or Washington D.C. No P.O. box addresses will be accepted.
Basic application info: Includes full name, address, phone number, Social Security number and birthdate.
Application financial info: Includes monthly rent or mortgage payment, residence status (own/rent) and total annual net income (annual income after taxes).
If you get approved for any Home Depot card, you will receive a credit limit of at least $500.
Just bear in mind that the credit score needed for a Home Depot card could also get you a number of good credit cards that can be used anywhere. For example, Capital One QuicksilverOne offers 1.5% cash back on all purchases, but comes with a $39 annual fee. For business owners, Capital One Spark Classic gives 1% cash back on all purchases and has a $0 annual fee.
You can ask for a Lowe's Store Card credit limit increase by calling 1-800-444-1408.
Alternatively, you can go to the customer service desk at your local Lowe's and ask an associate to request a higher credit limit for you. If you make a request in-store, you will still need to speak to a credit representative on the phone. … read full answer
Credit limit increase requests won’t hurt your credit.
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