I applied for the card, was approved online, Great,, Was a little sad my credit limit was only 800,, but 3 month later my credit was bumped up to 6000, Just gos to show, keep your balance under 30% and pay your bill in full, and good things will happen.
Most Helpful Positive Review
Most Helpful Negative Review
Purchased 3 Tons of wood pellets to cover me for the entire winter season. The first ton I purchased with 5% off the rest with 6 months differed interest. My wife wanted to do some Christmas decorating and I used the Card for the 5% off for some items, NEVER AGAIN!! The allocating of the new purchase versus the promotional balance expiring is a headache. Keep an eye on this people, on the second to last moth of the promotional balance expiring they will take your minimum payment and allocate it wherever the bank wants to. Make sure you pay the minimum first then pay the recent purchase in total and send them an online message to allocate the payment to the most recent purchases. Made a mistake and missed the calculation by $19 and bam they charged me interest on what was left over after they applied the minimum to the promotional balance and the rest allocated to the recent purchases. The worst part is that I contacted them twice telling them that I wanted my payment allocated so that I would not incur in interest charges and they were not considerate enough to tell me what was going to happen because I was short $19.00. Goodbye Lowes, I’m going to start buying on Amazon for the smaller stuff and Home Depot for the larger. You really picked the wrong bank to represent your consumer card.
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