I have been reading complaints regarding the Lowe's Credit Card and I feel compelled to add information to the comments I have seen. I opened a Lowe's Credit Card in October of 2009 to take advantage of the six months/12 month no interest offer. After two weeks my card was mysteriously cancelled - no warning, no explanation. When I called the "customer service" number, I was (after a long delay) connected to a man in India. He proceeded to ask me for my account number, social security number, date of birth, address, former addresses, former phone numbers (I am talking addresses that were from 10 years back). I finally hung up the phone because I had idea who I was actually talking to and I have never been interigated in such a manner in my entire life. Since that event, I have been focusing all of my resources to paying off this credit card.

This evening I called the customer service line to find out my balance. Simple question, right? Most cards you can push a number for this information once you have been verified. Not so with Lowe's. I was once again transfered to someone in India and he proceeded to interigate me. He continued asking for all of my private information even after I told him I needed a payoff balance for the account number I had given him. He continued asking for all of my vital information. I hung up the phone.

Six months ago a friend of mine had her bank account and savings account cleaned out after customer service call similar to what I described above (her call was not to Lowe's, and not regarding Lowe's). When her bank traced the unauthorized withdrawals and purchases, they had occurred in India.

So, Heads up everyone. One month and fifteen days into my Lowe's Credit Card experience, I am focused on paying off my balance and I will never shop at Lowe's again. Buyer Beware. Also, buyer beware in regards to how the Lowe's statement is presented. My statement shows two purchases that need to be paid off within six months and 2 purchases that need to be paid off within 12 months. The statement also shows two returns (the six months payoff purchases, but the deduction is taken from the 12 month payoff amount). Are you following me? In other words, the payments I make are paying down the later due date, not the more recent due date. My total will be paid off before six months rolls around, but I feel it is important to let others know that the Lowe's Credit Card offer is deceptive.

My recommendation - do not open a Lowe's Credit Card account. Open a Credit Union account and get line of credit, or a credit card through them. Your interest rate will be lower and they will treat you with respect and honesty.