I often shop at Lowes Home Improvement store and I was thinking of getting their card to help finance my bathroom renovation. Any thoughts?
Answered on Monday, April 18th, 2016 by
Amy Miller

Just so you know their card offers three options when you are applying. You must decide whether you want the 5% discount, twelve months special financing or 24-months special financing. To be clear the 5% discount is a one-time discount on your initial purchases. There is also a 12-month or 24-month special financing options. They are very different. The 12-month option applies to purchases over $299. This option is only interest free if you make all the payments within the 12 months. If you don’t you will be charged deferred interest. This means that you will pay 24.99% for the entire amount back to the day you purchased it. The same is for 24-month option which is on purchases over $2,000.

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No. You can make only minimum payments each month. You can see the amount of your minimum payment (as well as balance and available credit limit) on your credit statement, which you should receive each month.

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Special financing at Dillard’s is done through their credit card. So you would need credit that is worthy of receiving their card. Which I would expect to be fair credit in the least. However, I would avoid any kind of special financing. It is usually associated with hefty fees and penalties. Many store cards advertise […]

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