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The minimum credit score needed for a Lowe's card is 620 FICO. This is the same for the Lowe's Advantage Card and for Lowes Business Cards. Make sure your revolving utilization is below 30% when you apply or they may deny you.
You should always consider improving your credit score first before applying. If you are denied, you will get hit by a hard inquiry that will lower your score for 12 months. Working with a professional to improve your scores is always worth it in the long-run.
Lowe's actually does a hard pull when checking your credit. This causes your score to drop.
You can find out if you prequalify for a Lowe's Advantage Card by applying on their website.
The minimum credit score you need to get approved for a Lowe's Advantage or Business card is 620.
The minimum score to get approved for a Lowe's American Express Business Rewards card is 670.
Lowe's uses all three major credit bureaus. They randomly select Equifax, Experian, or TransUnion to check the applicant's credit.
Late payments will be reported and show up on your credit report.
As long as you have fair credit, getting approved for a Lowe's credit card is easy. The minimum credit score for approval is 620.
No, a credit increase on a Lowe's Advantage card won't hurt your credit.
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