The usual Lowe's Store Card approval time is instant, both for online and in-store applications. When you receive instant approval, you'll be sent an email with temporary card information that you can use until your card arrives. If the application does not go through, you will receive a letter in the mail within 7-10 days, informing you why it wasn't approved immediately.
How to check if you qualify for the Lowe's Store Card without impacting your score
Lowe's Store Card offers online pre-qualification which only triggers a soft pull of your credit, without affecting your credit score. While pre-qualification does not guarantee you'll be approved, it indicates the odds are in your favor. If pre-qualified, you'll be invited to apply.
Applying will trigger a hard inquiry and can temporarily lower your score. Lowe's Store Card requires fair credit or better, so if you don't know where you stand, you can check your score for free, right here on WalletHub.
You can check your Lowe's Store Card application status by calling their customer service at (888) 840-7651. If you're not instantly approved for the card, you might have to wait 7-10 business days to receive a decision in the mail.
In case your application is denied, you could try calling (800) 444-1408… read full answer to ask the issuer for a reconsideration. There's no guarantee they will change their decision, but it's definitely worth a try.
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.
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 can take anywhere from less than a minute to a few weeks to get approved for a credit card. The amount of time depends on how you apply, how good your credit is relative to the requirements of the card, and whether the issuer can immediately verify your information. You could be … read full answerinstantly approved if you apply online and are obviously qualified. But if you don’t get instant approval, it’ll typically take at least 7-10 business days to hear back.
Here’s what affects how long it takes to get approved for a credit card:
The way you apply. You can apply for most credit cards by mail, by phone or online. If you apply by mail, that’s going to add an extra 1-7 days just for your application to get there. The other two methods both allow for instant approval.
Your credit and income. No credit card guarantees instant approval. You’ll only get it if you exceed the issuer’s credit, income and other requirements. If you’re right on the border of qualifying, the issuer will probably take longer to consider your application. The typical wait time is 7-10 business days, which translates to around two weeks.
Your personal info. You’ll need to enter details like your name, date of birth, address and Social Security number when you apply for any card. That information also is present on your credit reports, which the issuer will check during the approval process. If the information on your application doesn’t match the information on your report, or if it gets flagged as fraudulent, it will hold up the process until the issuer can verify your identity.
So the standard timeframe in which you can expect to be approved for a credit card and receive it by mail is approximately 3-4 weeks. If you’re not approved instantly, count on 7-10 business days for approval and 7-10 business days for delivery. And if you’re itching to get your card faster, don’t forget to ask the issuer about expedited delivery.
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