The easiest way to apply for the Lowe's Store Card is by filling out an 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 also 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 Store 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 Store 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 20% 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.
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
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
Click “Services,” and then “Request Credit Increase.”
Enter the required information and your new desired limit.
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.
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