How to Apply for Lowe’s Credit Card without a Mobile Phone Number

Lowe’s Advantage Card is favored by an increasing number of people because of the 5% discount that is able to be automatically got at the register of a Lowe’s store. Despite other disadvantages like high APR or annual percentage rate, Lowe’s credit card is still applied for by many people every day. However, a phone number is required when a Lowe’s credit card is being applied. For those who don’t have a phone number or smartphone, it’ll be inconvenient. Here comes a guide catering to such an issue.

What is Lowe’s Credit Card?

Lowe’s is a retail company that specializes in home improvement and appliances. Lowe’s operates over 1,970 home improvement and hardware stores in the United States, Canada, and Mexico, and it is one of the largest home improvement retailers in the world. The company offers a wide range of products, including tools, building materials, hardware, appliances, flooring, and lighting. Lowe’s also provides installation services for many of its products, such as appliances, windows, doors, and flooring. Additionally, Lowe’s has an online store and mobile app, which allows customers to browse and purchase products from the comfort of their homes.

The Lowe’s Credit Card is a store credit card that is offered by Lowe’s, the home improvement and appliance retailer. The card is designed to help customers finance purchases of home improvement products, appliances, and other merchandise at Lowe’s. The card is issued by Synchrony Bank, and it can only be used at Lowe’s stores,, and on the Lowe’s mobile app.

A Step-by-Step Guide to Applying for Lowe’s Credit Card

Lowe’s credit card can be applied either online or offline, that is, face to face or in person.

Apply Online

  • Go to the official website of Lowe’s credit card and click the “Apply Now” button to start the application.
  • Fill in the last 4 digits of your SSN (Social Security Number) and your valid mobile phone number and click the “Continue” button to the next page.
  • Provide other information about you and follow the constructions to complete the application.

Once you submit your application, you will typically receive a decision within a few minutes. If your application is approved, you will receive your new Lowe’s Credit Card in the mail within 7-10 business days.

Apply Offline

To apply for Lowe’s credit card offline, you should go to the nearest Lowe’s store and ask for an application form from the staff there and fill in the corresponding information on it to end the application. Similar to applying online, your SSN and mobile phone number together with other information are also required.

Can I Apply for Lowe’s Credit Card Without a Mobile Phone Number?

Of course, you can.

If you don’t have a mobile phone number because you’re deaf or hard of hearing, don’t worry, then. You can click the link “I don’t have a mobile phone number” under the “Continue” button on the official website of Lowes.

As you click the “Primary Phone” blank, some hints will be seen below, indicating that you can check the box if you do not have a phone number because you are deaf or hard of hearing.

As soon as you check the box, a phone number will be automatically filled in the blank like this:

As is explained in the Important Notice, such a method is only for the use of individuals who do not have a phone number because of a disability-related reason.

In other words, if you don’t have a mobile phone number, not because of a disability reason, this method fails to be used.

How to Apply for Lowe’s Credit Card Without a Mobile Phone Number?

There are multiple reasons that may lead you not to have a mobile phone number (or you just don’t want to use it for considerations of privacy or security), which is understandable. To solve the issue, a phone number from Dingtone just works.

  • Download and install Dingtone on your smartphone, iOS, or Android.
  • Get a phone number on it with any area code you want. You can either directly buy a number by subscribing to a plan or with Dingtone credits (AKA totally free to get a number).
  • Follow the steps introduced in the last section and complete the application online or offline.

Why is it an Understandable Idea Not to Give Your Private Phone Number Online?

Nowadays, increasingly more people don’t share their private phone numbers online. When reasons are to be dug out, online privacy and security are a big concern.

When it comes to online registration, a phone number is usually required for online identity verification via a verification code in a text message.

Unlike bank card applications like Lowe’s calling for an SSN, most online services only call for a valid phone number. The more links are established between your phone number and online services, the more vulnerable your online privacy will be.

If one account gets hacked, you’ll definitely suffer from a catastrophe.

Therefore, it’s smart to use a second phone number for online registration to replace your private phone number.

FAQs about Lowe’s Credit Card

What are the requirements for a Lowe’s credit card?

To apply for a Lowe’s credit card, you must meet the following requirements:

  • You must be at least 18 years of age
  • You must have a valid Social Security number or Individual Taxpayer Identification Number (ITIN)
  • You must have a U.S. mailing address
  • You must have a U.S. government-issued photo ID
  • You must have a credit history that meets Lowe’s credit standards

Is it hard to get a Lowe’s credit card?

It depends on your credit score and financial history. If you have a poor credit score, it may be hard. If you have a good credit score and meets the eligibility criteria, getting a Lowe’s credit card can be relatively easy.

What is Lowe’s Credit Card phone number for customer service?

1 (800) 444-1408.

  1. Dial the number above.
  2. Press 2 to continue.
  3. Enter your credit card number or SSN.
  4. Select the reason for your call.
  5. Speak to an online representative from Lowe’s card.

Where can Lowe’s credit card be used?

Lowe’s credit card can only be used for shopping in a Lowe’s shop or online shopping on

How to cancel my Lowe’s credit card?

You can also cancel your Lowe’s credit card by calling 1 (800) 444-1408 and following the instructions one by one to finally talk with a representative.

NOTE: In the event that you encounter difficulties with SMS verification using Dingtone numbers (mostly due to policy restrictions imposed by the registration platforms), we strongly recommend contacting our support team for prompt assistance. You can reach us by sending an email to

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