Lowe's Credit Card Features and Advantages

Lowe's Credit Card Features and Advantages

Getting a Lowe's credit card is a good option for people who frequently shop at Lowes. It comes with a host of benefits that would appeal to people who want to save on money even while shopping.

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Offered by the GE Money Bank, Lowe's basically has two types. The first one is made for the regular customer who mainly shops for retail items. The second set termed as "Project Card" for those who intend to purchase items in large quantities or for business purposes.

Card Application and Benefits

Applying for a Lowe's credit card is quick and easy. It takes about seven day for the bank to check credit history and provide approval upon application. Online application is also applicable via lowes.com. The credit card comes with an APR of 21.99% and offers deferred payment options during membership.

Users can utilize the card for whatever purchase they make at all Lowe's stores. The card provides various benefits for its users including the absence on an annual fee and online transactions like requesting for a credit balance refund.

Holders of the credit card can also include additional users without extra charges with a swift card replacement service. Credit line changes are also entertained by the service.

The grace period where people can pay their bills without incurring interest is 26 days with an e-bill facility to accommodate fast payment transactions. Lowe's utilizes the Secured Socket Layer for greater protection.

Project Card Application and Benefits

For the Project Card, holders can has as much as ,000 in credit limit with a 6 month window allowing users to purchase items without having to worry about balance or interest. Application for the Project Card is somewhat stricter than the regular credit card. Applicants would need to have an initial purchase of not less than ,000 before the application procedure continues.

Both card types come in three different designs to choose from, allowing users to be versatile in their style choice.

Customer Service

The customer service for Lowe's credit card is among one of the most accommodating today. They also come with an online site that provides various information for people who want to update their current balance. This is an excellent way to keep updated when it comes to bills as well as payment options.

Of course, like many cards, Lowe's also comes with a few drawbacks including the absence of rewards and offers to long-time cardholders. It also takes a long time to process payments especially when done through the mail, making it difficult to get an update of the balance immediately.

With most of the benefits of the Lowe's credit card, availing of the service would be a good option for people who spend a lot of time shopping in the store. Homeowners who are also refurnishing their houses would reap benefits by applying for Lowe's Project card, providing them with a sic-month time span to purchase items at credit without having to pay for additional interest fees.

Lowe's Credit Card Features and Advantages

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