Credit Score Needed For Lowe's Card

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Consumers that wish to obtain a new line of credit will be subject to credit approval processes by the potential lender.  Lowe’s offers a line of credit cards to be used at any physical Lowe’s  store and online.

Applying for one of the credit cards offered by Lowe’s will subject consumers to a credit check for the approval process, failure to meet the minimum requirements will result in a rejected application.

Credit Score Needed For Lowe's Credit Card

Lowe’s won’t accept every application it receives due to the risks associated with affording consumers credit. In order for a consumer to be considered for the application process they will need to have a minimum credit score of 620. Applications below the minimum are generally rejected automatically.

What Is A Lowe's Credit Card?

The Lowe’s credit cards are issued by Synchrony Bank. These cards are in store credit cards limiting their use to Lowe’s physical or online stores. The Lowe’s Advantage Card has no annual fees and affords holders various in store discounts and rewards.

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How Do I Apply For A Lowe's Credit Card?

Consumers who want to apply for a Lowe’s credit card can do so by either:

  • Apply online on Lowe’s official website
  • Apply in a Lowe’s store

Lowe's Credit Card Denial

Applicants will receive an email detailing the reason(s) for their credit applications being rejected by Lowe’s. Applicants should use the detailed reasons provided by Lowe’s to improve their credit score and likelihood of success while waiting to reapply.

Individuals also have the choice of consulting credit repair specialists like Credit Sage. A professional team with extensive knowledge and experience when optimizing consumers credit scores based on their needs and circumstances.

Bottom Line

Lowe’s offers financing options as an additional payment method for their customers. The financing option requires approval by Lowe’s with a minimum credit score of 620 being required for consideration.

Consumers who are rejected are advised to review their credit reports  to improve their credit scores. Hiring credit repair specialists like Credit Sage will streamline the repair process with only the best available credit score as their goal, consumers are sure to be approved upon their reapplication.

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