Lowe's Credit Customer Service

Phone Number & Contact Info

Lowe's Credit's Best Phone Number

Toll-free·Calls Credit Card Customer Service·Most popular Lowe's Credit number

How do I talk to a live human at Lowe's Credit?

A:Calling this Lowe's Credit number should go right to a real human being

Does Lowe's Credit offer 24 hour customer service?

A:Yes! This call center operates 24 hours a day, 7 days a week. The least busy day is Sunday, and the most busy day is Thursday.

How long will I wait on hold?

A:We don't expect that you will have to wait to talk to a person. This is a direct line. How is this calculated?

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

GetHuman researchers routinely call this Lowe's Credit 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: Calling this Lowe's Credit number should go right to a real human being
Here is how our research team describes the way the Lowe's Credit 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 Credit'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 represent Synchrony Bank. This is Kim. Can I get your first and last name? Synchrony Bank. This is Kim. Can I get your first and last name?"
Excerpt from a call with Lowe's Credit
Wednesday, January 17, 2024 12:55 AM

They may ask your reason for calling (instead of a menu)

"This entire call will be recorded and monitored.
Thanks for holding. I'm Pam from Synchrony Bank. May I have your name?
Hi. How can I help you?"
Excerpt from a call with Lowe's Credit
Wednesday, April 17, 2024 11:36 PM

They may ask you to enter information with the dial pad

"Let's try that one more time. Please say your account or card number or enter them using your phone keypad."
Excerpt from a call with Lowe's Credit
Tuesday, January 2, 2024 4:56 PM

They may ask you to say or enter information

"Welcome to Lowe's Credit Center. First thing, let's bring up your account. Please say or enter your account or card number."
Excerpt from a call with Lowe's Credit
Tuesday, January 2, 2024 4:56 PM
In fact, much of this information on this page is superfluous because this Lowe's Credit phone number is a direct line to a human being. The line is well-staffed and you should anticipate a very short wait on hold or none whatsoever, as long as you are calling during business hours.
We don't know of any phone menus you would encounter when calling either.

What are the hours and when should I call?

Lowe's Credit 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 Wednesday. This observation and the following section are based on analysis of a sample set of 841 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 Credit 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 Credit 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 Credit is Sunday. The most busy day to call is Thursday, which averages 171% more phone calls by comparison. Again, this is based on a sample of 841 calls made with our AI-powered, web-based phone in the last 90 days.

The shortest wait on hold

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

The best time to call Lowe's Credit

In summation, the best day to call Lowe's Credit is Wednesday.
Once again, please put this information in perspective because this phone number has no phone menu or long waits. It generally gets picked up right away if calling during their opening hours. If there is any way, it will typically be very short.

Why Customers Call Lowe's Credit

If you have time to do a bit of reading before you call Lowe's Credit, we recommend you read over some of our problem-specific articles.

What are the benefits of having a Lowe's Credit card?

There are several benefits of having a Lowe's Credit card. Firstly, cardholders gain access to exclusive financing options, with special financing offers available for purchases above a certain amount. This allows customers to spread payments over a specific period with no interest if paid in full by the promotional end date. Additionally, cardholders can enjoy a 5% discount on eligible purchases made at Lowe's when using their credit card. This includes both in-store and online transactions, providing a significant amount of savings. The Lowe's Credit card also offers hassle-free returns, making it easier for customers to return items and receive refunds or store credits. Lastly, cardholders have access to online account management tools, allowing them to easily monitor their account, make payments, and view transaction history.

What is the interest rate on a Lowe's Credit card?

The interest rate on a Lowe's Credit card can vary depending on the type of card and current market conditions. Lowe's offers two types of credit cards - the Lowe's Advantage Card and the Lowe's Business Credit Card, each with its own unique interest rates. The interest rate for the Lowe's Advantage Card is 26.99% APR, while the Lowe's Business Credit Card has a variable APR of 17.99%, 20.99%, or 23.99%, based on creditworthiness. These rates are subject to change, so it is advisable to check with the official Lowe's Credit website or customer service for the most up-to-date information on interest rates and other terms and conditions.

What are the different types of Lowe's Credit cards available?

There are two main types of Lowe's Credit cards available: the Lowe's Advantage Card and the Lowe's Business Rewards Card. The Lowe's Advantage Card is a consumer card that offers special financing options on purchases made at Lowe's stores. It allows customers to choose between fixed monthly payments with a reduced APR or a temporary 5% discount at the time of purchase. The Lowe's Business Rewards Card, on the other hand, is targeted towards small businesses and offers similar benefits as the Advantage Card, along with additional rewards on eligible purchases. Both cards provide online account management, no annual fees, and exclusive cardholder promotions, making them convenient and cost-effective options for customers shopping at Lowe's.

Top Lowe's Credit customer service problems

Click the link above to get answers to just about any Lowe's Credit customer service question, including step by step guides for the most complex issues. You can also detail a new issue and get answers instantly.
Below is a sample of recent calls to Lowe's Credit, and their purpose. Are any of these similar to the reason you are trying to call?
Making credit card payment: "I'm calling to make a payment on my Sam's credit card."
- From a call lasting 21m 41s , Jun 5, 2024 8:43 PM
Inquiring about credit account: "When was the last time I asked you guys for a credit inquiry?"
- From a call lasting 4m 49s , May 9, 2024 11:51 PM
Clarification on letter received: "I got a letter in the mail from y'all about special finance and promotions, but I don't understand why."
- From a call lasting 14m 28s , Apr 10, 2024 9:57 PM
Making payment on Lowe's card: "I'm trying to make a payment on my Lowe's card."
- From a call lasting 9m 8s , Apr 5, 2024 7:17 PM
Lost card investigation: "I lost my card. Can you check if there's anybody charging on my account, please?"
- From a call lasting 8m 49s , Apr 3, 2024 12:24 AM
No clear purpose: ""
- From a call lasting 1m 50s , Apr 1, 2024 1:23 PM
Seeking department information: "Department are you from?"
- From a call lasting 1m 40s , Mar 19, 2024 10:38 PM
Balance inquiry: "What is my balance?"
- From a call lasting 2m 9s , Mar 18, 2024 1:30 PM
Check balance without card: "I'm trying to get my balance, but I don't have my credit card."
- From a call lasting 1m 12s , Mar 18, 2024 12:06 PM
Late payment assistance: "I need to make a payment, it was actually due yesterday, and I forgot to pay it."
- From a call lasting 2m 49s , Mar 14, 2024 12:00 PM

More Lowe's Credit Customer Service Contacts

There are of course other ways to contact Lowe's Credit customer service besides the phone. Below we list the best ones, by medium.

Lowe's Credit Customer Help Desk / Web Support

lowes.com - Customer Service
Online customer service support
As a last, sometimes only, resort- Lowe's Credit customer service can be accessed through their website. This can entail digging through help articles before finding a form and "being allowed" to submit a problem to their team, and rarely leads to a real-time conversation, which is why GetHuman does not recommend this unless it's the only way.

Conclusion and closing notes

This is Lowe's Credit's best phone number, the real-time current wait on hold and tools for skipping right through those phone lines to get right to a Lowe's Credit agent. This phone number is Lowe's Credit's best phone number because 5,520 customers like you used this contact information over the last 18 months and gave us feedback. Common problems addressed by the customer care unit that answers calls to 800-444-1408 include Lower my APR, Raise my credit limit, Cancel or change account, Complaint, Credit issue and other customer service issues. Rather than trying to call Lowe's Credit first, consider describing your issue first; from that we may be able to recommend an optimal way to contact them via phone or web. In total, Lowe's Credit has 1 phone number. It's not always clear what is the best way to talk to Lowe's Credit representatives, so we started compiling this information built from suggestions from the customer community. Please keep sharing your experiences so we can continue to improve this free resource.

GetHuman does not provide call center services or customer support operations for Lowe's Credit. The two organizations are not related. GetHuman builds free tools and shares information to help customers of companies like Lowe's Credit. For large companies that includes tools such as our GetHuman Phone, which allows you to call a company but skip the part where you wait on the line to get a live human rep. We continue to work on these tools to help customers like you (and ourselves!) navigate the messy phone menus, hold times, and confusion with customer service. As long as you keep sharing it with your friends and loved ones, we'll keep doing it.

Call with our super-powered phone
  • Click to call- even from your desktop
  • We dial and get a human for you
  • AI-powered suggestions of what to say
  • Keep a transcript and other stats
  • Free, unintrusive: no account needed

Compare Lowe's Credit Customer Service

Was this page helpful?YesNeeds work
Sharing is what powers GetHuman's free customer service contact information and tools. You can help!