"Did Not Get Instant Approval But Not Instantly Denied..."
Lowe's Advantage Card Review
Written by: jodiescha68 on 2011-09-13
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jodiescha68's review: 
I applied and got a message saying that they would notify me via email in 4-6 days and gave me a reference #...not sure but probably a nice denial would be my guess. Fico Scoes for TU is 627 and Eq is 669.
I applied and got a message saying that they would notify me via email in 4-6 days and gave me a reference #...not sure but probably a nice denial would be my guess. Fico Scoes for TU is 627 and Eq is 669.
5 Comments
Comment 1 by derek1061
Re: Did Not Get Instant Approval But Not Instantly Denied... 
on 2011-09-13
Unless you have an extremely bad credit score you will most likely get approved. GEMB is a good bank overall and pretty good with credit limit increases.
on 2011-09-13 Unless you have an extremely bad credit score you will most likely get approved. GEMB is a good bank overall and pretty good with credit limit increases.
Comment 2 by majtykamadness
Re: Did Not Get Instant Approval But Not Instantly Denied... on 2011-09-14
Completely agree with Derek. I actually had a Lowes card back from 2000 - 2003 and then unfortunately had to file for BK. I had a balance of like $250 and it was written off. I later applied again in 2007 as I was getting my life and credit back on track. Was instantly approved for $500 and have since never missed a payment. My CL is now $2900 with only them increasing the CL. My scores are in the low 700's right now. GEMB has been very fair to me so NO complaints here.
GL and I hope you get approved.
on 2011-09-14 Completely agree with Derek. I actually had a Lowes card back from 2000 - 2003 and then unfortunately had to file for BK. I had a balance of like $250 and it was written off. I later applied again in 2007 as I was getting my life and credit back on track. Was instantly approved for $500 and have since never missed a payment. My CL is now $2900 with only them increasing the CL. My scores are in the low 700's right now. GEMB has been very fair to me so NO complaints here.GL and I hope you get approved.
Comment 3 by jodiescha68
Re: Did Not Get Instant Approval But Not Instantly Denied... on 2011-09-14
My FICO is 669. I do have other GEMB accounts (Walmart and Amazon) that were instant approvals so I don't know about this one...still haven't heard anything and I did call and they said the app was still being processed. I guess we'll see.
on 2011-09-14 My FICO is 669. I do have other GEMB accounts (Walmart and Amazon) that were instant approvals so I don't know about this one...still haven't heard anything and I did call and they said the app was still being processed. I guess we'll see.
Comment 4 by majtykamadness
Re: Did Not Get Instant Approval But Not Instantly Denied... on 2011-09-14
Depending on your balances on those other cards will prb determine whether you get this card or not. If the balances are low you should be fine. Not sure why they are dragging their feet. I alos have a Wal-Mart, Sam's Club and Meijer card. All GEMB and I've kept the balances low and do get nice CL increases except for Wal-Mart. I started with a $1400 CL last November and it's like $1550 now. I have a $250 balance on their. Who knows.
on 2011-09-14 Depending on your balances on those other cards will prb determine whether you get this card or not. If the balances are low you should be fine. Not sure why they are dragging their feet. I alos have a Wal-Mart, Sam's Club and Meijer card. All GEMB and I've kept the balances low and do get nice CL increases except for Wal-Mart. I started with a $1400 CL last November and it's like $1550 now. I have a $250 balance on their. Who knows.
Comment 5 by jodiescha68
Re: Did Not Get Instant Approval But Not Instantly Denied... on 2011-09-14
I was recently turned down for a Cato charge and Best Buy flat out and I didn't think my credit score was that terrible: Fico for TU is 627 and Eq is 669. I haven't gotten any credit limit increases recently either (In the past, they just came automatically). My credit used ratio is about 35%, no late payments for a very long time and no bad stuff. I'm not really sure what has been going on but I know I got turned down less when my score was much lower it seems. Go figure.
on 2011-09-14 I was recently turned down for a Cato charge and Best Buy flat out and I didn't think my credit score was that terrible: Fico for TU is 627 and Eq is 669. I haven't gotten any credit limit increases recently either (In the past, they just came automatically). My credit used ratio is about 35%, no late payments for a very long time and no bad stuff. I'm not really sure what has been going on but I know I got turned down less when my score was much lower it seems. Go figure.
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Disclaimer: This content is not provided by Synchrony Bank. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Synchrony Bank. Review content is powered by Finance Globe.
