The easiest way to apply for the Lowe's Store Card is by filling out an application online. Alternatively, you can apply for this card in person, at any Lowe’s store location. You cannot apply for the Lowe's Store Card over the phone.
How to Apply for the Lowe's Store Card Online
Visit the Lowe's Store Card webpage and click on the “Apply Now” button.
Fill in the last 4 digits of your Social Security number and your phone number.
Provide more personal information, including your address, full SSN, and salary.
Follow the instructions to complete your application.
How to Apply for the Lowe's Store Card in Person
You can apply for the Lowe's Store Card in person by visiting your nearest 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.
Ultimately, 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.
A credit score of 640 or higher is needed for a Home Depot® Credit Card; this means that you need to have a fair credit score to get it. That’s the case for both the Home Depot® Credit Card and the Home Depot® Business Credit Card. Both 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.
Here are the requirements to get a Home Depot® Credit Card:
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 the Home Depot® Credit Card, you will receive a credit limit of at least $300. For the Home Depot® Business Credit Card, your credit line will be at least $500.
Just bear in mind that the credit score needed for a Home Depot® Credit Card could also get you a number of good credit cards that can be used anywhere. For example, the 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 increase your Lowe's Store Card credit limit by making a request online or over the phone at (800) 444-1408. Alternatively, you may also get a Lowe's Store Card credit limit increase without asking, if your account is in good standing.
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. This inquiry will not affect your credit score.
Alternatively, you could be eligible for a Lowe's Store Card credit limit increase without even requesting one. The issuer may offer a Lowe's Store Card 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 also involves a soft pull, which does not affect your credit score.
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