Comments on: Lowes Credit Card Review

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.

By: T

Wed, 01 Feb 2012 17:22:46 +0000

Lowe’s will “lower” your credit limit to $224 but all you need to do is call them if you have not made a purchase in a few years. The $224 is only an amount that signals to any Lowe’s cashier that your account is on temporary hold for non-use and in order to prevent fraud, they will just verify your address and phone info and a few security questions only you would know and open your line of credit back up. GE says it is for consumer protection…it happened to me and I am fine with it.

By: Chris Cummings

Chris Cummings — Tue, 10 Jan 2012 18:51:16 +0000

Only problem I’ve had with my Lowe’s card (which is through GE Financing) is that about 3 months ago I made a payment online, larger than usual, and it took them nearly a month to pull it out of my bank. My fault but I forgot about it and caused me major problems. Yesterday paid Lowes and 3 other bills all online at the same times. All have come out….but Lowes. Here it is about 30 hours later and besides the immediate email I got, no other action. Has not come out of bank, has not updated on their website.

By: Don Watts

Don Watts — Mon, 09 Jan 2012 17:01:29 +0000

Lowes’s credit site is the worst online credit card site on the internet. It is very user unfriendly, confusing and at least 10 years out of date. When you call and complain about their site they defend it. I have credit cars from Amer. Exp., Discover, Visa & PenFed all their sites are very user friendly and helpful.

By: Jack Enright

Jack Enright — Sat, 07 Jan 2012 23:25:11 +0000

Yes, Isabel.!! Happened to me also.!! The stealth “Card Security” charge as high as the interest. $1.66 per one hundred dollars. And completely unsolicited.

By: Linda

Linda — Mon, 19 Dec 2011 21:57:31 +0000

Yes, JB, you can pay any account with a credit or debit card – because I do it. Ha! Oh, JB, I pay all my utilities with my paycheck, it’s called cash buddy.

Lowe’s will close your account if you don’t use it. You, Mr. Man, don’t know what you’re talking about either. Get a life, idiot.

By: Linda

Linda — Mon, 19 Dec 2011 21:54:37 +0000

JB,

Finally got your ___ response – this does have everything to do with it – I didn’t say they didn’t want your business. I said the companies will close the account and you have to get a new one going if you don’t use it. Read, idiot, read.

By: BETH

BETH — Thu, 01 Dec 2011 22:47:59 +0000

BIG BOX HOME CENTER CUSTOMERS:

1) The last store credit card payment date is sometimes scheduled BEFORE the usual and regular last expected payment due date so that may catch you off guard. If you pay even a day late, you will pay the APR (usually 34%) that would have been owed for the entire time. -That could add thousands to your bill and if that happens, you will have bad credit while you fight them and fight to get it right.

2) If you are in the market to buy carpeting or flooring, GET AN INDEPENDENT 2ND OPINION REGARDING THE TRUE SQ FOOTAGE OF YOUR AREA TO BE INSTALLED! It is not “uncommon” for companies to oops…”accidentally over-measure” about the square footage you need and charge you additional for carpet or flooring that you don’t need.

Consumers would never know they are being overcharged because they have no idea how to calculate sq.footage or do floor measuring! True measurement is calculated with 5% -7% additional (not 10%) for additional materials as a “cushion”. A 10% cushion is only needed for tile or hardwood installed on the diagonal, and even then, a customer not only has the right to return any full boxes of flooring materials (tile & hardwood etc.) but the customer also has the right to get their money back for unused installation fee for those boxes of unused material! If you have any trouble, see the Store Manager and call the District Manager/Home Office if needed. AND get a second opinion/estimate for from an independent floor measuring company and be sure the sq. footage matches the store estimate.

You can call a independent flooring measurer to measure your floors for about $40-60 depending on the number of rooms or a whole house. One such independent measuring company I used is: Accurate Floor Measuring Service 301-437-3823 they service MD, DC, Northern VA. They also will provide to you, a drawing and measurements that you can take to the store for accurate sq. footage quotes.

By: John

John — Wed, 30 Nov 2011 14:58:47 +0000

You were turned down because you have bad credit. Lowes doesn’t run their credit card department, they just put their name on it. This card has the same requirements as all other credit cards so use your head. You boast about being retired, but buddy you have no income. Why would a store give you a credit card when you don’t have a job? You pull from a retirement fund so in essence your overall wealth and equity is depreciating every month. Grow up and learn a thing or two about finances before you brag about flying to Denver and thinking this will qualify you for a credit card. PS cash purchases do nothing to increase your credit score or make you any more attractive to credit card companies.

By: WMACC

WMACC — Mon, 07 Nov 2011 04:42:06 +0000

This is a great card! I applied for a HD card and they gave me a $500 limit; I applied with Lowes and they gave me a $1500 limit. I have paid it off several times and each time I pay it off for more than $1000 at a time they raise my limit. My limit is now $8500 and this is plenty for any of my projects. The good thing about 0% interest is whenever they offer it for 18 months I go get a $900 gift card and use it throughout the year with no interest and pay just $50 a month at 0% and there is no retro interest because it is paid off in time. If you know how to manage your card correctly there will NEVER be interest. Just manage it correctly and there is no issue and if you cannot, you probably are a risk and should pay a little higher rate. Anyway, I think both Lowes and HD are great, but Lowes gave me a better card. I never used my HD card.