Lowe's Credit Card Customer Service

Phone Number & Getting a Rep

Lowe's Credit Card Customer Service number

800-444-1408
Toll-free·Calls Credit Card Customer Service·See main phone number & contact info
Q:

How do I talk to a human at this Lowe's number?

A:Press 5, then 3, then 2.
Q:

Does this phone number work 24/7?

A:Yes! This phone number operates 24 hours a day, 7 days a week. The least busy day is Sunday, and the most busy day is Tuesday. See below for more and to learn where this data comes from.
Q:

How long will I have to wait to speak to Lowe's Credit Card Customer Service?

A:The average hold time is 3 minutes. The longest hold times are on Thursday, and the shortest are on Monday.

All Lowe's customer service contact information

This is the #2 most popular Lowe's phone number out of 2. Click above to go back to the main customer service number and other contact information, including Lowe's email addresses, twitter handles, and live chat options.

More Lowe's Customer Phone Numbers

Customer Service

800-445-6937
Main phone number · Toll-free · Mon-Sun 8:30am-6pm EST · Don't press anything, just hold on the line for an operator. ·

How do I get through the phone menu to a real live person?

GetHuman researchers routinely call this Lowe's phone number to document the phone system.
Here is our latest tip for weaving through the phone menu to get to a real person the fastest: Press 5, then 3, then 2.
Here is how our research team describes the way the Lowe's phone system greets you: Credit Center - Please say or enter your account or card number.
Below are some clips we've found from Lowe's's phone menus and tips that help give an idea of what you will encounter when you call. We've highlighted why they are important as well:

Heard when the phone system first answers

"This entire call will be recorded and monitored. All representatives are currently assisting other callers. Please hold, and the next available representative will assist you."
Excerpt from a call with Lowe's
Saturday, August 10, 2024 7:42 PM

What are the hours and when should I call?

Lowe's operates the call center for this 800-444-1408 phone number 24 hours, 7 days. The short answer is that you should call on a Monday. This observation and the following section are based on analysis of a sample set of 100 calls made in the last 90 days using our free, web-based phone (see above).
An important note: busy times vs hold times vs best time to call
When we refer to busy or less busy times, we are talking about the volume of calls. The busiest times are when the most people are calling this Lowe's phone number (least busy times have fewer people calling). This high call volume does not necessarily mean that you will have a long hold time when you call. Companies like Lowe's staff their call centers differently based on the time of day and day of the week, so you may experience a shorter wait on hold at the busiest of times. When we refer to the best time to call, we are referring to the optimal combination of lower call volume and shorter wait times.

The least busy time to call

The least busy day to call Lowe's is Sunday. The most busy day to call is Tuesday, which averages 144% more phone calls by comparison. Again, this is based on a sample of 100 calls made with our AI-powered, web-based phone in the last 90 days.
Sun
Quietest
Mon
Tue
Busiest
Wed
Thu
Fri
Sat

The shortest wait on hold

We measured the shortest hold times to be on Monday. The longest wait in the queue on average occurs on Thursday.

The best time to call

In summation, the best day to call Lowe's is Monday. It isn't the least busy day, but the fact that hold times are shortest combined with it being on the busy side tells us that Lowe's staffs up on Monday to handle the higher call volume, and that makes it the best time to call.

Why call this Lowe's number?

Below is a sample of recent calls to Lowe's, and their purpose. Are any of these similar to the reason you are trying to call?
: ""
- From a call lasting 54s , Aug 23, 2024 5:00 PM
: ""
- From a call lasting 1m , Aug 21, 2024 1:50 AM
: ""
- From a call lasting 1m 3s , Aug 19, 2024 2:55 PM
Autopay charge dispute: "I see the email today saying they took out one thousand two hundred forty seven dollars."
- From a call lasting 8m 28s , Aug 11, 2024 1:59 PM
Delivery issue resolution: "I am incredibly frustrated I had a delivery today."
- From a call lasting 5m 3s , Aug 10, 2024 7:42 PM
Request for replacement card: "I misplaced my card, and I was trying to see can I get another?"
- From a call lasting 8m 11s , Jul 24, 2024 9:03 PM
Making payment inquiry: "I need to make a payment. My name is Augustina Gonzales."
- From a call lasting 7m , May 24, 2024 11:00 PM

Calling this Lowe's Customer Number

Jun 3, 2024

Unless you've signed up with the Lowe's credit card, you're not going to get any help from calling this number. This number is only tied to the credit card that Lowe's offers its customers, not general customer service at Lowe's.

As such, most of the menus are hidden away behind chokepoints. When I first called, I was asked to enter in my account number for my Lowe's credit card. I said multiple times that I did not carry the credit card. After three tries, it decided to take a different tact and asked for my Social Security number.

Again, I did not provide this information, as I didn't want to risk it getting out there. After a few tries, the system opted to ask me to choose another way to get information, which allowed me to ask for help in the area I wanted. I said that I wanted to get information on finding a Lowe's location while I was traveling, but the system did not give me that information. 

Instead, the system told me I would need to call a different number if I wanted assistance with Lowe's products or services. After playing that message and giving me the option to repeat it, I chose not to repeat the message and the phone call ended.

Overall, I thought that this was a helpful experience, as you're able to get around the chokepoints and still get a little bit of assistance if you do so carefully. However, you need to make sure that you're willing to provide identification in some form; otherwise, this number will be of little use to you.

Without offering either the account number or Social Security number, the best you can do is get to a smaller menu and get limited information. As such, I'd only used this number if I was a Lowe's credit card holder.

Adam has been tirelessly trying to help customers find the best tips and tricks to get through phone trees and writing many guides for prickly customer service problems. He's been featured in the Wall Street Journal, Inside Edition and Bloomberg.

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