posted on
May 13, 2009 at 07:53PM
In response to
DChlebda's post from
May 13 2009 07:35PM
Sears actually has two banks for credit cards: Citi (primary bank) and HSBC (second chance). Lowe's runs through GE, which isn't as concerned about credit scores as Citi or HSBC but, consequently, is much more strict about things like fees when/if someone pays late. Keep working on improving your credit score (you should check your credit reports at least once a year) and you'll eventually be approved. Every 30 days you are eligible to apply.