Information about Lowes Credit Cards from Lowes.com

Lowes Credit Cards offers best discounts in over 1600 Lowe’s store. Lowes offers one of the best savings schemes via it’s Credit Card. The Lowe’s credit cards are line of Credit Cards that is useful at the Lowe’s home improvement store and at different place. Lowe’s provides both a consumer credit card and a business credit card. Low’s Credit Card is the best way to save your money. You can get information about Lowe’s credit cards benefits, features and restrictions here.

Lowe’s provides for consumers

Lowes offers two credit lines for consumers one is Lowe’s standard credit Cards and second is Lowe’s project Cards. You can use both cards in Lowe’s store around the country and online.

[1] Lowe’s Standard Credit Card

The standards Lowe’s credit cards offer persons with the facility to purchase service and products for home improvement.

Benefits of the standard credit cards

• The monthly minimum payment of this credit card is 1/35th of the balance of the account.
• The credit line is dependent on the qualifications of the individual including monthly income and credit score.
• There is no required initial qualifying purchase to open the account.
• APR is set at 21.99 percent for most consumers.
• This credit line is a good option for any purchases including everyday purchases for home improvement supplies.
• Exclusive offers and savings discounts are offered throughout the year to cardholders.

[2] Lowe’s Project Card

This is the second type of the Lowe’s consumer cards. Its one of the best benefits is that it allows you to make all purchases for the home improvement project over a period of six months. During this period, no payments are due and there is no interest accrued.

Benefits of Project Card

• The credit line offers a low rate of only 7.99 percent for eligible consumers. Prices can vary up to 17.99 percent for those who are less skilled.
• Credit lines up to $ 30,000 are available for those who qualify for them. This makes it possible for individuals to complete the big home improvement projects in a reasonable manner.
• Persons can take between four and ten years to make payments to pay off these larger projects..
• There is a required initial purchase to open the account in the amount of $1000.

Lowe’s consumers Cards apply information

To purchase Lowe’s consumer credit cards, open Lowe’s consumer center and get Low’s consumer center option.

If you want to buy Lowe’s standard credit cards or Lowe’s project Cards, click on its option, which are given at middle of this site and click on apply now option and fill up your form with personal detail and get consumers credit cards. For this Process click here.

Lowe’s provides for Business cards

[1] Lowe’s Business Account

This card offers for small and medium businesses. It is designed for those companies wishing to maintain a balance from month to month, and will make payments on the balance over time.

Benefits of Business Account

• Itemized statements make it easy to handle procurement.
• Businesses can pay their balance in full each month, or pay over time, depending on cash needs.
• There is no annual fee.
• The company has to issue more cards for employees.
• The account offers account management services and dedicated account representatives to assist the company with their needs.

[2] Lowe’s Accounts Receivable Card

This cards offers for the medium to large business and they plan to pay balances in full each month. Lowe’s Accounts Receivable Cards provides two type of structure.

(1) Regular structure : It allows the business to receive an invoice for all purchases.

(2) Primary/Secondary structure : It allows the business use different accounts with unique account numbers to distinguish buying needs more places.

Benefits of the Lowe’s Accounts Receivable Card

• Product level detailing is provided on statements.
• Pay by invoice if preferred
• Purchasing control is offered, with optional cards with personalized identification.

Lowe’s Business Cards apply information

To Purchase Lowe’s Business cards, open Lowes business center page and get its option.

If you want to buy Lowe’s business account or Lowe’s receivable accounts, click on its option, which are given at middle of this site and click on apply now option and fill up your form with personal detail and get Business credit cards. For this Process click here.

Lowe’s Credit Card General Features and benefits

• APR of 21.9%
• No annual fee
• Online request for credit balance refund
• Low monthly payments
• Grace period of 26 days
• Three versions of card design
• Card replacement service
• Addition of authorized users without any charge
• Facilitation of credit line change
• Online card account access is protected by the Secured Socket Layer
• E-bill facility to receive online bills

Low’s Credit Card Restrictions

• Payments dispatched by mail take seven to ten days in processing.
• Lowe’s cards do not offer a reward program to cardholders.
• The cards do not offer any inaugural APR.
• Requests for changing the due date of payments are not entertained.
• Gift cards or other credit cards are not accepted as a mode of making card payments.

Source : www.lowes.com

1. By accounts receivable at 12th October, 2009

   Nice information on Credit Cards, Project Cards and Business Cards.

2. By Evelyn at 23rd May, 2010

   I have not received a statement going on my second month and last month I had to pay online and I was almost in late charges. I have a good payment with you.can you please let me know what is going on with the statements. My payment is due on June 5,2010 Thank you so much Evelyn Murphy