Lowes Credit Cards are issued at financial institutions owned or controlled by Lowe's Companies, Inc. The company, formerly known as Sam's Club, Inc. (previously Sears) is an American discount retail business specializing in home repair. Headquartered in Mooresville, North Carolina, Lowe's stores are chain of about 400 retail stores throughout the United States and Canada. In addition to its brick and mortar operation, Lowe's also has outlets that are franchises operated by Lowe's Companies, Inc. in Canada. The company, through its financing arm, leases money to customers for the provision of equipment and materials used to carry out its business.
Most major credit cards have fees associated with them. There are a few that offer rewards that Lowe's credit cards do not offer. Some other credit card companies may even offer low interest rates to cardholders who maintain their balance on time. For the cardholder, these offers can be extremely enticing. The interest rate can make a significant difference in savings.
Many experts say that a good credit cardholder should look for a company that has as much credit card debt assistance as they do customer service. They recommend that cardholders call their banks or ask their card suppliers if they have any programs available to help keep them from falling behind. A person who takes good care of their account may be able to avoid late fees or over limit charges. This can give the cardholder more time to pay their bills and reduce the amount of interest that they pay when not paid on time.
Credit card issuers and providers offer extended customer service. Lowes Credit Card Associate, Inc. is one of these sources. The company provides information on everything from local store hours to the nearest gas station on every dime that you spend. There is also customer satisfaction ratings for every aspect of a business operation. If you have any trouble getting answers to your questions, talk to someone at the associate.
In addition to the regular customer care that you would receive from most major credit card providers, a regular hotline can be made by many independent pharmacies. The customer service representatives will ensure that you have the answers to any of your questions. This often allows the cardholder to feel that the company understands the concern that he or she has about the ordering process. The low cost of gas alone is enough to give some people pause about going out for a new prescription medication. The ease at which prescriptions can now be filled at home has caused a new customer group to emerge.
You may even find that your own independent pharmacy will have more to offer than just low prices. A loyal customer service team is always happy to talk about the different items that are available on the company's Web site or in its storefronts. In some cases, your card can be used for a gift certificate for a local business or charity. In addition, low rates and discounts at other local companies are always on the agenda.
It is important that you give your credit card information only to those employees who need to know in order to process it properly. The standard cardholder agreement does not apply to customers who have paid their bill and wish to obtain a statement. The independent representative will be able to help you fill out any necessary forms and get the information to the pharmacist. Many independent pharmacists also have their own credit card processing machines so that your information is processed without delay.
For convenience and peace of mind, low cost credit cards offer customers more than just convenience. Lowes credit card programs are designed with your best interest at heart so that your card information is protected and you can process your transactions whenever you choose. With low rates and convenient terms, using a low rate credit card from a reliable company such as this is the best way to make sure your shopping experience is both convenient and safe.