Help

Technical Help

Login Questions

Payments

Finance Charges and Late Fees

Contact Us

Web Page Issues

Updating Personal Information

Users on Account

Credit Bureau

Credit Line

Lost or Stolen

Electronic Bills and Payments

Tech Help

General

E-Bill

Payment Information


   
  Technical Help (back to top)
  Browser Requirements
  Compatible Browsers
  Are there any scheduled times when online customer service is unavailable?
 
 
  Browser Requirements(back to top)
 

To login to the Lowe's Card Account Service you need a browser which is SSL-compliant and has a "secure mode." When your browser is in secure mode, you will notice an unbroken key or lock at the bottom of the page.

   
   
  Compatible Browsers (back to top)
 

We recommend using Netscape 3.02 or later, or Microsoft Explorer 3.02 or later. For AOL users, either the 3.0 or 4.0 AOL client for PCs or the 4.0 AOL client for Macs is recommended.
If you are accessing our site with a browser other than those recommended above, you may not be able to log in or view your account information. Some of the browsers may be available free for download on the Internet.

   
  Are there any scheduled times when online customer service is unavailable? (back to top)
  Our web server may be down for maintenance purposes daily between Midnight and 6 AM Eastern Time.

  Web Page Issues (back to top)
  What should I do when I am having trouble viewing my account information on the screen?(back to top)
  Please contact our customer service department and notify them of any problems that you are having in viewing account information by calling (800) 444-1408, Monday through Sunday 8 AM to 8 PM Eastern Time.

  Login Questions(back to top)
  Why do I need to enter personal information on the Login Screen?
  Is the information that I enter secure?
 
  Why do I need to enter personal information on the Login Screen? (back to top)
  We ask that you provide us with personal information to login so that your account is protected from unauthorized access.
 
  Is the information that I enter secure? (back to top)
  Yes, we use SSL encryption, an industry standard, to help protect your account information from unauthorized access. When your browser is in secure mode, you will notice an unbroken key or lock at the bottom of the page.

  Updating Personal Information (back to top)
  How do I update my mail address and/or phone number?
  Legal Name Change
  Can I request an additional card online?

  How do I update my mail address and/or phone number? (back to top)
  You will soon be able to do this on line! Until then you can change your address or telephone number on the space provided on your billing statement or by calling (800) 444-1408, Monday through Sunday 8 AM to 8 PM Eastern Time. Our mailing address is:

Lowe's
P.O. Box 103080
Dept 79
Roswell, GA 30076

You can also visit the Customer Service desk of your nearest Lowe's store. For the Lowe's nearest you, visit our store locator, or call
1-800-444-1408 LOWES.
   
   
  Legal Name Change (back to top)
  Please mail a copy of the legal documents to the following address, in order to process your request:

Lowe's
P.O. Box 103080
Dept 79
Roswell, GA 30076
 
   
  Can I request an additional card online? (back to top)
  The current version of E-Service does not have the ability to provide online updates, however based on your feedback, we will be providing capabilities to request changes to your account online.
In the meantime please contact our customer service department for any questions by calling the following toll free number (800) 444-1408, Monday through Sunday 8 AM to 8 PM Eastern Time.
   
 

  Payments (back to top)
  What should I do if my payment has not been posted?
  What methods of payment can I use to pay my bill?
  Where do I send my payments?
  Can I make payments at any Lowe's store?
  Payment posted my account was in error
 
   
  What should I do if my payment has not been posted? (back to top)
  If your payment was made by mail please allow 7-10 days from the mailing date for your payment to be processed.
If your check has been cashed and it is not showing as posted, please mail a copy of the check, front and back, to the following address:

Lowe's
P.O. Box 103080
Dept 79
Roswell, GA 30076

If your payment was made by money order, please check with the issuer and mail a copy, front and back, to the following address:

Lowe's
P.O. Box 103080
Dept 79
Roswell, GA 30076

If your payment was made electronically, please check with your electronic payment provider, they will advise you on what to do next.
 
   
  What methods of payment can I use to pay my bill?(back to top)
  We accept checks drawn on US financial institutions, money orders, or electronic payments. Gift certificates and other credit cards are not accepted as a form of payment.
 
   
  Where do I send my payments?(back to top)
  You can send your payments to the following address:
Lowe's
P.O. Box 530914
Atlanta, GA. 30353-0914
Make checks payable to: Lowe's.
 
   
  Can I make payments at any Lowe's store? (back to top)
  Yes, payments can be made at any local Lowe's store. For the Lowe's nearest you, visit our store locator, or call 1-800-444-1408.
 
   
  Can I get my payment due date changed? (back to top)
  At this time, our billing process is unable to accommodate changes to the due date assigned to individual accounts. The specific due dates assigned helps us to provide you with the highest level of service when processing your monthly billing statement. Please accept our apology for any inconvenience this may have caused.
 
   
  Payment posted on my account was in error (back to top)
  If your statement shows that your payment was received, but it is for a different amount than you sent, please accept our apology for any inconvenience this may cause. In order to correct any difference in the amount that should have been credited, please send bank verification to the following address

Lowe's
P.O. Box 103080
Dept 79
Roswell, GA 30076

The verification should show the difference charged to your account. Upon receipt of this information, we will give this matter our immediate attention.

  Users on Account (back to top)
  What is an authorized user?
  How do I add/remove an authorized user?
 
  What is an authorized user? (back to top)
  An authorized user is anyone whom the primary account holder has authorized to make purchases on the card and is listed on the account as an authorized user. An authorized user cannot close the account, request account information or make changes to the account. The primary user is responsible for any charges that the authorized user makes on his/her account.
 
   
  How do I add/remove an authorized user? (back to top)
 

The primary account holder can contact our customer service department by calling (800) 444-1408, Monday through Sunday 8 AM to 8 PM Eastern Time. A written request can be sent to us:

Lowe's
P.O. Box 103080
Dept 79
Roswell, GA 30076

You can also visit the Customer Service desk of your nearest Lowe's store. For the Lowe's nearest you, visit our store locator, or call
1-800-44LOWES.

  Credit Bureau  (back to top)
  Credit Bureau Questions/Disputes (back to top)
 

If you believe that we have reported inaccurate information about you to a consumer reporting agency, please write to us at the following address:

Lowe's
P.O. Box 103065
Dept 79
Roswell, GA 30076-9065

When you do, please identify the inaccurate information and tell us why you believe it is incorrect. If you have a copy of the credit report that includes the inaccurate information, please send a copy of that report to us as well.

  Credit Line (back to top)
  Credit Line Changes
  You will soon be able to request this on line! Until then please call us at (800) 444-1408, Monday through Sunday 8 AM to 8 PM Eastern Time.

  Finance Charges and Late Fees (back to top)
  How can I avoid finance charges?
  How can I avoid late payment fees?
   
  How can I avoid finance charges? (back to top)
  If there is no previous balance for the billing period or the sum of your payments and credits for the billing period is at least equal to the balance, new purchases and other charges will not incur a finance charge in the billing period when they are made or if they are paid within 26 days of the billing date shown on your statement.
   
  How can I avoid late payment fees? (back to top)
  You will not be charged a late payment fee if we receive at least the minimum payment by the payment due date shown on your statement

  Lost or Stolen (back to top)
  What should I do if my credit Card is stolen or lost? (back to top)
  You will soon be able to do this on line! Until then please call our customer service department at (800) 444-1408, Monday through Sunday 8 AM to 8 PM Eastern Time, to report your card lost or stolen. Please review your account for any purchases you did not make and report these to the customer service department when you call. We will close your account and issue you a new account number and card for your protection.

  Contact Us (back to top)
  Customer Service/Account Information (back to top)
  For Questions regarding Customer Service or Account Information please call our customer service department at (800) 444-1408, Monday through Sunday 8 AM to 8 PM Eastern Time.
   
  Electronic Bills and Payments

 
Tech Help    (back to top)

 
What screen resolution do I need to view my bill online?    (back to top)

To view your monthly Lowe's Credit Card online billing statement, we recommend that your monitor's screen resolution be 1024 x 768 or 800 x 600 pixels. Either monitor setting will permit you to view your E-Bill without having to scroll your screen side to side. You can view your E-Bill at lower resolutions, but you will need to scroll from side to side to view the complete bill.

How do I change my screen resolution to 1024 x 768 or 800 x 600 pixels?
   (back to top)
 
If you have a Microsoft Windows' operating system, click on Start in the lower left portion of your screen. Select Settings, then select Control Panel. In Control Panel select Display. Next, click on Settings. In the middle of the screen is an area called Desktop Area. Within Desktop Area select 1024 x 768 or 800 x 600. Then click on Apply in the lower right corner of the screen. You may need to restart your computer before the new resolution takes effect.

For Mac users, go into your Control Panel, go to Monitor Settings and reset your resolution to 1024 x 768 or 800 x 600.

Which browser do you recommend I have in order to properly view my electronic statement?   
 (back to top)
 
We recommend Internet Explorer version 5.0 and Netscape version 4.0 to 4.72. For AOL users, either the 3.0 or 4.0 AOL client for PCs or the 4.0 AOL client for Macs is recommended.

Are there any scheduled times when I will be unable to view my Lowe’s bill or pay my Lowe’s bill online?  
  (back to top)
 
Our webserver is down for maintenance purposes on Sunday between 2 AM and 6 AM Eastern Time.

How do I print my online statement?
   (back to top)
 
You can print your online statement by using the print function of your browser.
 
General   (back to top)

 
How do I enroll in E-Bill?    (back to top)
 
Lowe's is using CheckFree to provide Lowe's Credit Card customers with the opportunity to receive and pay their bills online. You can enroll with CheckFree for your Lowe's bill without charge, by enrolling at https://mybills.com/webpayebill. CheckFree also offers expanded services for a monthly fee.

What is CheckFree?    (back to top)
 
CheckFree Corporation has been at the forefront of electronic payment processing for more than 15 years. CheckFree is the leading provider of electronic commerce processing services and software products for more than 850 financial institutions, 1.3 million consumers and 1000 businesses.

Will Lowe’s charge me extra for receiving or paying my bill online    (back to top)
 
At this time there is no charge from Lowe’s for utilizing E-Bill or electronic payments. To access the no charge CheckFree enrollment site go to: https://mybills.com/webpayebill.

E-Bill  (back to top)

 
When will I receive my first E-Bill?    (back to top)
 
Once you receive a CheckFree email message indicating your activation for Lowe's E-bill has been approved, you can expect your next statement to be presented electronically in addition to receiving a paper statement. You should receive an email message from CheckFree within 48 hours of your activation request.

Is my E-Bill updated during the month?    (back to top)
 
No, the online is your monthly billing statement, like the billing statement you currently receive in the mail. Any payments or purchases made during the month will not be reflected until the next month statement is sent. Your recent account activity is available through our online customer service, but not through E-Bill. To view your account activity go to: LinktoAccountViewLoginScreen.

How do I access old E-Bills?    (back to top)
 
While viewing your current Lowe’s bill, click to the "Statement History" navigational button at the top of screen. Click on the statement date you wish to view and the E-Bill detail will be displayed.

How many months of statement history can I view?    (back to top)
 
We will retain for your viewing, the most recent twelve (12) months of E-Bills as long as you continue to receive E-Bills. If you want to keep a longer history than that you need to print out a hard copy and keep it or save the data onto your hard drive by following your browser’s save feature.

What happens if I delete my Lowe’s E-Bill on CheckFree?    (back to top)
 
After you veiw your online bill, you can delete it. Once the E-Bill is deleted, you will be unable to access your bill detail. To keep the bill detail, you will need to either print out a hard copy before deleting the E-Bill, or wait until next month’s E-Bill to view the current and historical bill detail. You can access previous bills by clicking on "Statement History".

Will I continue to receive my paper bill?    (back to top)
 
Your paper statement will be discontinued after 2 months.

Will I receive online offers and promotions with my E-Bill?    (back to top)
 
Lowe’s Credit Card will not be sending online offers and promotions at this time.

If I receive a duplicate E-Bill, which one do I select to view my electronic statement?   (back to top)
 
If you receive a duplicate E-Bill, click on the electronic statement listed second (or underneath the first) to view your bill detail. The other E-Bill has been disabled.

What happens if I deactivate E-Bill?   (back to top)
 
Although you will still be able to access prior online billing statements, you will no longer receive new E-Bills once you deactivate. Please refer to your paper billing statement once you deactivate E-Bill. You may re-activate your E-Bill service at any time.

Payment Information  (back to top)

 
Can I make a payment by mail if I receive my bills online?    (back to top)
 
We encourage our customers to take advantage of the benefits of the new electronic payment option, but you also can mail in your payment. Please be sure to include your payment coupon found at the top of your paper billing statement so that we can properly credit your account.
 
Can I schedule automatic electronic payments?    (back to top)
 
Presently you are not able to schedule automatic electronic payments if you are using the CheckFree "free" service located at https://mybills.com/webpayebill. However the ability to schedule automatic payments will be available in the May 2001 timeframe. If you are using CheckFree's expanded services, please refer to their documentation for functionality concerning scheduling payments.

What if I don’t have enough money in the bank when I make an electronic payment?   (back to top)
 
We will be notified that the payment cannot be honored and your Lowe’s account may be assessed a return payment fee in addition to any late charges and finance charges that may normally accrue.

 
How far in advance of the due date should I schedule my electronic payments?    
(back to top)
 
Please be aware that you need to initiate the scheduled payment request at least five business days prior to the date you wish the payment to be processed. For example, if your payment due date is the 15th of the month, you need to access your E-Bill service by the 10th, then schedule the payment to be made on the 15th.
 
How do I change or stop a payment that I have scheduled?   (back to top)
 

Most bill payment services allow the customer to change or stop a payment that has been scheduled. Please refer to the instructions of the bill payment service you are using for the specific steps required.

Will I be assigned a payment confirmation number for my records?  (back to top)
 
Based on the version of the bill payment service that you are using, a confirmation number may or may not be provided. If you wish to keep a record of your payment, you can print out a hard copy of the completed payment page before submitting.