Lowes or Home Depot

Where you can talk about store credit cards, like gas station cards, department store cards, etc.
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Re: Lowes or Home Depot

Postby CarefulBuilder14 » Mon Jun 15, 2015 1:16 pm

ingramjuan wrote:Well, reviewed all the answers and decided to go with the Discover Card over the Home Depot and or Lowes card. I applied on Friday and was approved with an $8k credit line. Good info from everyone. Guess I have to change my tagline now! :lift:


And with the double-rewards promotion, it's even better!
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

Limited value, might close: Arrival

Might add: First Tech, proper business card

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Re: Lowes or Home Depot

Postby MemberSince99 » Wed Jun 17, 2015 5:59 am

Knowing Discover, they pretty much only give a starting limit like that to people with scores in the 600s, and without any other card even as high as 5k. Is that the case if you wouldn't mind sharing, as another data point?

Good haul by the way. I'd have loved to ever have gotten a Discover with a starting limit like that. They sure as hell are stingy about limits to people with good credit as a rule. Sorry if some of the bitterness is coming across here they are kind of strange there must be a method to the madness but it sure seems bizarre to me.

By the way the ONLY thing your Discover can't do that either of those cards can is the option for 0% interest for 6 or 18 or however many months depending on purchase amount and promotion. So those cards would be a good option for that, which you can get at any time - your Discover may or may not give you 0% for a time (mine didn't) and once that period is over, it's over. Otherwise the Discover should be a much better all around option.

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