Comments on: Lowes Credit Card Review

By: Phil

Phil — Thu, 10 May 2012 15:12:17 +0000

I also have found that Lowe’s is “OUT TO SCREW YOU”. The 5% discount is NOT worth it. When I realized this, I started paying it off as fast as possible. It is almost gone and I will cancel.

If you have a very large purchase: use the card, get the discount, pay off the balance FAST then cancel the card.

Lesson here: Do not have “Store Cards”. J. C. Penny, Sears and all others are “OUT TO SCREW YOU”.

By: Ann Gray

Ann Gray — Sun, 22 Apr 2012 18:38:03 +0000

DO NOT GET A LOWE’S CREDIT CARD. YOU WILL BE VERY SORRY IF THEY GOOF IT UP BECAUSE IT GOES ON YOUR RECORD (THEY DON’T BOTHER TO CHECK WITH YOU) AND THEY WILL NOT CLEAR IT. THIS IS WHAT THEY DID TO US AND I HAVE SPENT HOURS AND HOURS WITH LOW-LEVEL CREDIT CLERKS WHO, OF COURSE, CAN’T DO ANYTHING. JUST BEWARE.

p.s. Our family has one of the highest credit ratings possible, that is we did until Lowe’s got it messed up. Mine is still high but my husband’s dropped about 100 points due to THEIR MISTAKE.

By: Bob

Bob — Sun, 08 Apr 2012 01:30:46 +0000

Their credit card is simply a method to make money from someone who doesn’t have it, taking advantage. Obviously, nobody is going to pay 24.99% on purpose. Numerous 0% six months, then 0% 18 months, nothing like the stores that give you three or more years at 0%. Now a gimmick for 3.99% for 48 months if over $3500 purchase. When you initially sign up seldom do they give you a rate this high, hence force the six month pay back, then collect the very high interest rate.

Avoid these cards, and most other department stores if possible; finance via other means or put as much down as you can manage, ensuring payoff before the period expires. Yes they charge the interest from the beginning if not paid in full, ouch.

By: John

John — Tue, 03 Apr 2012 23:44:04 +0000

We appreciate you as a valued Lowe’s Consumer customer and hope you will continue to shop with us. What a laugh. Charges 25% interest even though I have always paid on time. They state the high interest is due to my payment record.

Crooks & liars.

By: Heather

Heather — Wed, 14 Mar 2012 01:03:06 +0000

Have had a Lowes card for years and made out great. We use it regularly for large purchases, take advantage of the 12 and even 18 month 0% specials and have never paid a penny of interest. In addition, the terms say that the financing can not be combined with other offers, but we frequent three different Lowes stores and always receive a 10% military discount in addition to zero interest specials. This has allowed us to save tons and complete over $20,0000 worth of projects! Have never had to deal with customer service, so no advice there. Be smart, check your account, pay on time, and know your credit and you should be fine!

By: T. Snyder. Williamsville NY

T. Snyder. Williamsville NY — Thu, 23 Feb 2012 01:25:06 +0000

i have had very poor service from Lowes credit card as well as Lowes in Williamsville NY.

A front door with side lights was installed by one of Lowes contractors. installation was fine. Lowes sold a Reliabilt door to us but sent to the worksite a Masonite door that was flawed and did not shut tightly. lowes failed for five months to correct the problem.

The cost of the door was disputed in writing to GE Lowes card, however, they refused to accept the dispute, sent repeated form letters and failed to accept that there was a flaw in the door.

Beware of the Lowes credit card due to poor service and failure to support the cardholder when a dispute exists.

By: jb

jb — Sat, 18 Feb 2012 04:26:11 +0000

The companies will close your accounts??

WHERE ARE you getting your facts from??

neither hd or lowes close no ones accounts, it their crediters that do it.

RUN SPOT RUN

By: jb

jb — Sat, 18 Feb 2012 03:47:52 +0000

This is the part i guess i misread, i didn’t know that lowes ,home depot, sears ,ect would call their credit suppliers to close someones credit becouse they have not used it for some time, I thought business keeps going becouse of great customer service, but i guess you are the smart one here.

By: jb

jb — Sat, 18 Feb 2012 03:14:01 +0000

Mines also called “cash” buddy, but i also get rewards for using my card, which add up to a couple hundred a year. Re read the part that it gets paid off every month, as in NO INTEREST ADDED.

Just try to pay your lowes account with your bank credit(not debit) card, let us know it you get a purchase rate or a cash advance rate of interest added. Or better yet, use your home depot card to pay your lowes card, that what it sounds like you are saying.

This seems a stupid thing to do as you are borrowing from one credit card to pay another.

But maybe i misread you, as for sure, you can always pay from your debit card to any credit, no differance than paying cash or from your checking account.

I may stop by again for your reply, but i wont be whipping a dead horse anymore.

By: Doris

Doris — Sun, 05 Feb 2012 15:26:30 +0000

I have a small CC account with Lowes, just 15.00 a month. I was late this month, but sent 30.00. i have received 3 for 4 calls a day from them stating my late payment, just got one today Feb 5th 8:45am guess from where? India which is tomorrow to them. They should have gotten the payment already, but I guess no one told them in India.