It would appear all parties involved -- Lowe's, Synchrony -- have covered their a$$es nicely. You need not look further than the all-new interest rate... essentially a 32% (31.99) interest rate. They padded the new card by 300 basis points.
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In my little over 21 years with the company, exactly 3 Lowe's cards on my salesman ID.
Never had one either, bank/credit union cards with lower interest rates.
No more bs from this $hithole, my new manager is corporate and micromanaging, pushing credit cards like crazy. He won't last long as I usually see a new one every 18-24 months. I'd be shocked if my store is open in 5 years.