What You Can Do With Your Lowe's Credit Card Account

The Lowe's credit card is a store card issued by Comenity Bank that works only at Lowe's and Lowe's.com. Once you have an account open, you can make purchases, check your balance, set up automatic payments, dispute charges, and update your account information—all through the Lowe's website or mobile app, or by calling customer service.

Managing your account means staying on top of your statement, paying on time, and knowing how to reach Lowe's if something goes wrong. This guide walks you through the most common account tasks so you know exactly where to go and what to do.

Key Takeaways

  • You can log into your Lowe's credit card account on Lowes.com or through the Lowe's mobile app using your email and password.
  • Payments can be made online, through the app, by phone at 1-866-209-5559, or by mail using the payment coupon on your statement.
  • Your statement arrives by mail or email each month and shows your balance, minimum payment due, and due date.
  • You can set up automatic payments to avoid missing a due date, and you can dispute a charge within 60 days of the transaction.
  • If you forget your password or have trouble logging in, use the "Forgot Password" link on the Lowe's login page to reset it.

How to Log Into Your Lowe's Credit Card Account

Go to Lowes.com and click "Sign In" in the top right corner. Enter the email address or username you used when you opened the card, then enter your password. If you have a Lowe's shopping account, you may already have a login—use those same credentials.

Once you are logged in, click "Credit Card" or "My Account" to see your card balance, recent transactions, and payment options. The Lowe's mobile app also lets you log in the same way and access your account from your phone.

If you do not remember your password, click "Forgot Password" on the login page. Lowe's will send a reset link to your email. Follow the link, create a new password, and try logging in again. If you still cannot access your account, call Lowe's customer service at 1-866-209-5559.

Making a Payment on Your Lowe's Credit Card

You have four ways to pay your Lowe's credit card bill: online, through the mobile app, by phone, or by mail. The fastest and easiest is online or through the app—payments usually post within one business day.

To pay online, log into your account on Lowes.com, go to "Make a Payment," and enter the amount you want to pay. You can pay from a checking or savings account. To pay through the app, open it, tap your card, and select "Make a Payment." To pay by phone, call 1-866-209-5559 and follow the prompts. To pay by mail, write a check, include the payment coupon from your statement, and mail it to the address shown on the coupon.

Your minimum payment is due by the date shown on your statement. If you pay only the minimum, you will be charged interest on the remaining balance. To avoid interest, pay your full balance each month. If you think you might miss a payment, call customer service before the due date—they may be able to work with you.

Setting Up Automatic Payments

Automatic payments may support you never miss a due date. Log into your account on Lowes.com, go to "Manage Automatic Payments," and choose whether you want to pay your full balance or a set amount each month. Enter your bank account information and select the date you want the payment to come out each month.

Lowe's will pull the payment from your checking or savings account on that date every month. You can change or cancel automatic payments anytime by logging back into your account. If you set up automatic payments, you should still check your statement each month to make sure the payment went through and your balance is correct.

Understanding Your Statement and Due Date

Your Lowe's credit card statement arrives by mail or email each month, usually around the same date. The statement shows your opening balance, all purchases and payments you made that month, your new balance, your minimum payment due, and your due date.

The due date is the last day you can pay without being charged a late fee. Late fees are usually $25 to $35 depending on how late you are. If you pay after the due date, Lowe's may also report the late payment to credit bureaus, which can hurt your credit score. Interest charges also appear on your statement if you carried a balance from the previous month.

If you do not receive your statement by email, log into your account and check that your email address is correct under "Account Settings." You can also request a paper statement by mail if you prefer.

Disputing a Charge or Reporting Fraud

If you see a charge on your statement that you do not recognize or believe is wrong, you have 60 days from the date of the transaction to dispute it. Log into your account, find the charge, and click "Dispute This Transaction." Describe what is wrong—for example, you were charged twice, the amount is incorrect, or you returned the item but were not credited.

Lowe's will investigate your dispute, usually within 30 days. They may contact you for more information. If the dispute is found in your favor, the charge will be removed from your account. If you believe your card has been stolen or used fraudulently, call customer service when ready at 1-866-209-5559. They can freeze your account and issue a new card.

Updating Your Account Information

You can change your address, phone number, or email address by logging into your account and going to "Account Settings" or "Personal Information." Make sure your information is current so Lowe's can reach you if there is a problem with your account and so your statements arrive on time.

If you want to add an authorized user to your account—someone else who can use the card—call customer service at 1-866-209-5559. They will walk you through the process. You can also request a replacement card if yours is lost, stolen, or damaged through your online account or by calling customer service.

Frequently Asked Questions

What should I do if I forgot my Lowe's credit card PIN?

Your Lowe's credit card does not have a PIN for in-store purchases. If you are trying to use your card online and forgot your password, click "Forgot Password" on the Lowes.com login page. If you need help with your online account, call 1-866-209-5559.

Can I transfer my Lowe's credit card balance to another card?

The Lowe's credit card is a store card and can only be used at Lowe's. You cannot transfer the balance to another card, but you can pay it off with a different payment method—a personal loan, another credit card, or cash. Once the balance is zero, you can keep the account open or close it.

How long does it take for a payment to show up on my account?

Online and app payments usually post within one business day. Payments by phone also typically post within one business day. Payments by mail can take 7 to 10 days, depending on mail delivery time. Always pay several days before your due date if you are mailing a check.

What happens if I miss a payment?

If you miss your due date, Lowe's will charge a late fee (usually $25 to $35) and may report the late payment to credit bureaus. Your interest rate may also increase. If you miss a payment, pay as soon as you can. Call customer service at 1-866-209-5559 if you need to discuss payment options.

Can I close my Lowe's credit card account?

Yes. Call customer service at 1-866-209-5559 or log into your account and request to close it. Make sure your balance is paid off first. Once closed, you cannot use the card, but the account will remain on your credit report for several years.