Lowe's Credit Card Reviews

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1.6 out of 5 stars
38 Reviews

From Cardholders in the last year

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Application Process

3.5 out of 5 stars

Customer Service

2.5 out of 5 stars

1.5 5

Most Helpful Positive Review

Jan 21, 2012
gsies613 Cardholder

Initial limit of $500. After no lates, low util., and perseverance, I am now at $8,500. I've noticed they give much larger CLI after you've been with them a year or so. I rarely use this card and barely like Lowe's. You get a 5% discount on everything! Whenever I have a home to remodel, I am sure this card will be taken advantage of; they are always offering some time of 0% for 6 mos or so. :-). Push the love button every three months or so. I do it a lot as they are only soft inquiries, which do not reflect poorly as they are an existing creditor on your CR.

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Most Helpful Negative Review

Jan 27, 2017
The Good The Bad and The Ugly
Darwin686 Cardholder

First off I cannot faught lowes as a store for any issues with this card as Synchrony is the card issue. I would love it if Lowes as a company were to dump them and move to a more replutatle company such as Citi.  My expereince with the card has been good for the most part but there are a few catches. Here is the bad, DO NOT stack promotional purchaes and regular purchases together, they will not apply the payment to the promortional purchase, as others have cited, when you pay your bill so you are slaped with compounded retoractive intrest from that point on until all of the promotional purchase is paid off.  Now the ugly,  the website is garbage for a normal PC user, the mobile version is suprsining better.  Synchrony doesn't always raise credit rates on a regular.  This is actully one of my lowest credit lines started at 600 and then bumped to 1300 three years ago.  I use this card on the regular and pay it in full. I often times pay it well before the due date and they have not bumped up the credit limit on the card.  I've contacted them about this via the online chat portal and they give the ususal run around of various factors on your credit report that they supposidily check. I looked into this and they haven't done a soft query on my credit report in years LOL!  I'm sporting a 799 credit sore and I've expressed to them. The only two options that I have is to either wait it our or request an increase online or via their customer service. Be warned if you request the increase online or via the customer service department you are now authorizing them to do a hard query on your credit report!  I told  them to bugger off on that idea as I don't want be staring at that on my credit report for the next two years.   I'm planing a major kitchen remodle and home depot has my business until Synchrony gets off it's own butt.

The Ugly... I've had a long history with Synchrony, please note they used to be called GE Money Bank and they ruined their repurtation to the point that they had to change names!  This creditor is absolutly the worst of the worst.  The day you get your statement pay your bill, never wait on this one.  I've had them take up to 7 business days from the moment I issued the payment for them to take it and process it. other times it takes anywhere from 24-48 hours  I gennerally recomend that if you can do not carry any balance on this card, if you are working with a promotional purchase don't use the card  for any other purchase until you pay it off or use it for a secondary promotional purchase.

Pros: 5% off purchase, using the card makes returns easier if you lost the reciept, and promotional pruchases which can be a catch 22.

Cons: Synchrony AKA worst creditor out there, bad at rasiing credit limits, customer service is a bit of a joke,  Synchrony doesn't work well with finincal software such as quicken or Mint or MS Money.

Overall: The card has some perks but you have to use it very, very wisley.  Failure to do so will lead to nothing but headaches!

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These reviews were written by current and former cardholders in the last year.

Jul 18, 2017
BIGORICH Cardholder

You will never get a credit line increase. I have good credit and zero late payments and get turned down every time. I don't have this problem with any of my other credit accounts.

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Jul 18, 2017
BIGORICH Cardholder

Refuse to increase credit limit. Only offered 300 to start. I have good credit and zero late payments. Very disappointed.

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Jul 10, 2017
Nothing makes sense!
Anonymous Cardholder

I applied for the card-- when it came in the mail, I activated it online. Then, it asked me to create an account, but then wouldn't let me create the account because my information was wrong. Tried over and over, now I'm locked out. Can't get ahold of anyone, haven't gotten a statement in the mail, so I CANT pay it!! However, they sent me a letter saying they lowered my credit line due to non-payment? Seriously? What a crap company! I made ONE purchase on this and now I'm paying for it with my credit score and late fees but STILL can't pay it. I'll drive the 30 minutes to the store tomorrow to see if they can help me out =(

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Jul 06, 2017
Synchony Finanical / Lowes / NEVER AGAIN

3 years ago, my wife and I applied for Lowes credit card and was approved for $6000! With such a large limit, we could charge $1-2 thousand on the card and not have it affect our credit in a negative way. Plus, take advantage of the 5% off and 0% APR Promos. This was the impression we were under at the time.

Without getting into detail, about two months ago, we had a family emergency which drained our saving account and almost maxed out two of MY credit cards; not my wife’s. When I checked, our credit reports the following month, my wife’s credit was fine. However, mine took a little bit of a dip because of the new high balances on my two major credit cards I still hold. Still I was sitting at a 705 Avg. Score and my wife was @ a 790 Avg. I thought to myself, no worries I'll pay down the balance on my two credit cards and my credit scores should come back up in 6 months or so.

 A couple of weeks ago, I was going to purchase a $300 lawn mower from Lowes using the Lowes credit card. I only had $1300 balance, I thought it wise to just charge the mower and pay it off by the end of the month. When I went to check the balance on my Lowes card through Synchony Financial, I learned that: THEY DROPPED MY CREDIT LIMIT TO $2000 FROM $6000! THUS FURTHER RUINING MY CREDIT UTILIZATION .... Now, with no other credit cards in my name and my other 2 major credit cards nearly maxed out. I pulled my credit report again yesterday as it updated and my score dropped another 20 points because of this! Worse off, my wife took a smaller hit on her credit score! I received a letter from Synchony Financial after I found this out and they said it was because of the high balances on my other credit cards I had recently racked up... I paid this and all my bills on time and for more than the minimum payments. Now because SYNCHONY FINANCIAL did this, the security blanket I thought I had with a $6000 credit limit is now gone along with 20 points on my credit score… All for doing business with these jerks! I gave both Lowes and Synchony Financial a chance to make this right and all the did was note my concerns on the account... Because it would save money on interest and to show how stupid they are, I transferred the balance from Lowes Credit to my AMEX card. FYI: SYNCHONY FINANCIAL also does business with Newegg which I did the same on that card as well and will never use it again.   

I now REFUSE to do BUSINESS with both Lowes and Newegg because I won’t purchase from an organization that does business with SHARKS like SYNCHONY FINANCIAL. If you read the very, very, very fine print, you will learn that they can pull your credit report at any time and ADJUST your credit limit to fit their needs. They can even close the account on you! All though this is legal, IT SHOULD BE A CRIME! This is not a good business practice and hurts the consumers.

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Jul 05, 2017
Anonymous Cardholder

My card was down to 0 i odered online there web site switch me to wrong store i contact them canceled the order they said they refunded all the money back to card witch would put me back to 0 then irdered again at right store paid it off in 2 payments and then they said i still owed them 115.48 i told them they took 2 months and still did not fix the account so i paid the 115.48 so not to hurt my credit so they stole that money but they will never get one more penny from me i hope that makes them crooks happy 

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Jul 03, 2017
no issues
seanfd Cardholder

Started with $1500 2yrs ago . Now 10k limit . never declined increases . Been good . Marginal score and multiple syncrony accts in good standing..Use it for promotional no intrest purchases and pay quick ..

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Jul 02, 2017
Totally waste money
Anonymous Cardholder

Waste money

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Jun 12, 2017
Anonymous Cardholder

They will reduce your limit and let you know until AFTER the fact.....my plan since they did this making me look like a FOOL is to pay it off and tell them o eat their card or trash it.....I will take my business elsewhere...and the FIRST call to find out why declined, the guy hung up on me

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Jun 10, 2017
!!!Not worth it!!! Lowes/Synchrony Bank
Pilot23 Cardholder

Signed up for via Lowes for some Home Projects.  Was good the first year with on time payments.  Then we paid off the card in full after 12 months within the no interest timeframe.  Synchrony didn't like that so much.  Synchrony informed us via snail mail they were lowering our credit from 2500 to 500 and during the phone call stated there was no valid reason except they were told to do so and it was there choice.  That's not how you keep consumers.  We were about to use it again for the next home project but we will stick with other stores like Home Depot, Wal-Mart, and Menards after that treatment.  Home Depot does not use Synchrony so and their card issuer has been great over the past year.  Do yourself a favor - If it's associated with Synchrony - run away.  Synchrony is the spin-off of GE Capital.  Runaway, runaway from Synchrony.  Lowes is not a bad store.  But since they partner with Synchrony we have stayed away.  We also found out Synchrony is with Amazon so we're doing the same and canceled our 2 synchrony related cards

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May 27, 2017
Not worth the hassle!
Prettiptibbs Cardholder

Useful if you want the 5% off but otherwise not worth the hassle. I had a 2300 limit and paid off balance every few months. Just got a letter that they are reducing my limit to $640 because I'm over the limit on another card. So not true! I'm done with them.

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Lowe's Credit Card