Help

Security Information

Technical Help

Login Questions

Payments

Finance Charges and Late Fees

Contact Us

Web Page Issues

Credit

Marketing/Advertising
(Additional products)

 

Replacement Cards

Tech Help

General

Electronic Bills and Payments

Payment Information

Updating Personal Information

Users on Account

 
   
  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 (888) 840 7651 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 (888) 840 7651 Monday through Sunday 8 AM to 8 PM Eastern Time. Our mailing address is:

Lowe's
P.O. Box 981064
El Paso, TX. 79998-1064

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.
   
   
  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 981064
El Paso, TX. 79998-1064
 
   
  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 (888) 840 7651 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?
  How can I inform you of a recent payment I made or will be making?
  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 981064
El Paso, TX. 79998-1064

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 981064
El Paso, TX. 79998-1064

If your payment was made electronically, please check with your electronic payment provider, they will advise you on what to do next.
 
   
  How can I inform you of a recent payment I made or will be making? (back to top)
  You can inform us or a payment you sent or will be sending online by clicking here, Payment Sent/Sending.
 
   
  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 1-800-44LOWES
 
   
  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 981064
El Paso, TX. 79998-1064

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

  Security Information (back to top)
  Am I on a secure site even if the padlock on my browser is not locked?
  What is SSL?
  What is a "secure session" and how does it help keep my information safe?
  What should I do when I have finished viewing my account information?
  What should I do if I am using a "public" computer?
  How can I tell when my connection is secure?
  Why does it ask me for a passcode when I try to access my credit account?
  What do I do if I forgot my passcode?
  What information do I need to register to view my credit account?
  How do I end my online session?
 
   
  Am I on a secure site even if the padlock on my browser is not locked?(back to top)
  Your account information, credit application and other sensitive information is being encrypted on the Lowe's Online Credit Center. An encrypted item is scrambled so that no one between your computer and GE Money Bank (GEMB) can read the message or the information you entered.

The reason the padlock icon provided on your browser may not appear locked (symbolizing an encrypted session) is because the Lowe's Online Credit Center uses multiple frames to display information on your computer. The graphical header and navigation bar across the top of your screen is one frame. The selections that appear on the left are another frame. The main portion of the site appears in the remaining frame. Frames that display general information about the site, such as the navigation bar across the top of your screen, are not encrypted. However, any screen that displays or requests information about your account, user name, password, application and other sensitive information is encrypted.

 
   
  What is SSL?(back to top)
  SSL is an abbreviation for Secured Socket Layer. SSL technology secretly encodes (or encrypts) information as it is being sent over the Internet between your computer and GEMB's systems. This encryption technology helps ensure that your account information travels securely over the internet and remains confidential.
 
   
  What is a "secure session" and how does it help keep my information safe?(back to top)
  During a secure SSL (Secured Socket Layer) session, data traveling between your computer and GEMB's systems is secured using encryption technology. This SSL technology secretly encodes your information to create a private conversation that only your computer and GEMB's systems can understand.
 
   
  What should I do when I have finished viewing my account information?(back to top)
  When you have finished using a secure area of Lowe's Online Credit Center, make sure you Sign out and close/exit the internet browser software (e.g., Netscape, Internet Explorer, AOL). This will decrease the possibility of anyone viewing confidential account information.
 
   
  What should I do if I am using a "public" computer?(back to top)
  If you use a computer that others also work on and you are uncomfortable that they may view "cached" pages after you have left the station, you should Sign out and close/exit the internet browser software (e.g., Netscape, Internet Explorer, AOL) before leaving. This will decrease the possibility of anyone viewing confidential account information.
 
   
  How can I tell when my connection is secure?(back to top)
  To confirm that your information is encrypted perform the following three steps:
   
1. Place your cursor on an area of screen where confidential information is being displayed.
   
2a. With an Internet Explorer browser, right-click, select 'Properties.'
2b. With a Netscape browser, right-click, select 'View Frame Info' or select 'View' | 'Page Frame Info' from the browser menu bar.
2c. For Macintosh users, Ctrl-click, select 'New Window with this Frame' OR select 'View' | 'Page Info' from the browser menu bar.
   
3. Check the web address that you have accessed. If you are in a secure area, the address will appear as https://www. The "s" at the end of "https" means that you have accessed a secure server.
 
   
  Why does it ask me for a passcode when I try to access my credit account?(back to top)
  For your privacy and the security of your credit account, we require your account or membership number and a passcode to login. If you require a passcode, please click here.
 
   
  What do I do if I forgot my passcode?(back to top)
  If you forgot your passcode, you will need to re-register. After successfully re-registering, you will have immediate access to your credit account. Click here if you forgot your passcode.
 
   
  What information do I need to register to view my credit account?(back to top)
  To successfully register to view your credit account, you will need your account number as it appears on your Lowe's Credit Card, along with your zip code, mother's maiden name, followed by either your Home Phone Number or your Social Security Number. Please click here to register your account.
 
   
  How do I end my online session?(back to top)
  You must click the LOGOUT link when you are finished accessing your account. If you close your browser without clicking LOGOUT, access will be suspended for 30 minutes.

  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 (888) 840 7651 Monday through Sunday 8 AM to 8 PM Eastern Time. A written request can be sent to us:

Lowe's
P.O. Box 981064
El Paso, TX. 79998-1064

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  (back to top)
  Credit Balance Refund  (back to top)
  You can request a credit balance refund online by clicking here, Credit Balance Refund.
   
  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
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 Changes (back to top)
  You will soon be able to request this on line! Until then please call us at (888) 840 7651 Monday through Sunday 8 AM to 8 PM Eastern Time.
   
  What do I do if my balance is a credit? When can I expect a refund? (back to top)
  Your credit balance will be applied against future purchases/debits. If there are no new purchases on your account, we will automatically send your refund of your credit balance within 30 to 60 days. You may also request your refund online by clicking here. There is no need to call to obtain your refund.
   
  What if the credit amount received for my returned merchandise is less than the amount of the purchase? (back to top)
  We apologize for the inconvenience. In order to correct this problem please mail a copy of your billing statement displaying the purchase amount along with a copy of your return receipt to our credit member service office at Lowe's PO Box 981064 El Paso, TX. 79998-1064 for further research.
   
  I did not receive credit for the merchandise that I returned. (back to top)
  In order to correct this problem please mail a copy of your return receipt, indicating that the item was returned, to our credit member service office at Lowe's PO Box 981064 El Paso, TX. 79998-1064 for further research.
   
  Do you report my account to the Credit Bureau? (back to top)
  We report the status of accounts to the credit.
   
  Why does this account appear on my credit report? (back to top)
  All accounts are reported to the credit bureaus.

  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

  Replacement Cards (back to top)
  What should I do if my credit Card is stolen or lost? (back to top)
 

You can report your card lost or stolen online by clicking here, Report Card Lost or Stolen.Please review your account for any purchases you did not make.  If you see any unauthorized charges please call our customer service department at(888) 840 7651 Monday through Sunday 8 AM to 8 PM Eastern Time.

   
  What should I do if my credit Card has been damaged or misplaced?(back to top)
 

You can report your card damaged or misplaced online by clicking here, Replacement Card Request . Please review your account for any purchases you did not make.  If you see any unauthorized charges please call our customer service department at (888) 840 7651 Monday through Sunday 8 AM to 8 PM Eastern Time.

   
  What should I do if my credit Card has not been received? (back to top)
 

You can notify us online by clicking here, Card Not Received.   Please review your account for any purchases you did not make.  If you see any unauthorized charges please call our customer service department at (888) 840 7651 Monday through Sunday 8 AM to 8 PM Eastern Time.

  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 (888) 840 7651 Monday through Sunday 8 AM to 8 PM Eastern Time.
   
  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/ebill/wbp/logon. 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/ebill/wbp/logon.

Electronic Bills and Payments  (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: View My Account.

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)
 
Yes, you will continue to receive your Lowe’s paper bill until further notice.

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/ebill/WBP/logon. However the ability to schedule automatic payments may be available in the future. 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.

 

Marketing/Advertising (Additional products)  (back to top)



For questions regarding additional products such as insurance, fee based subscriptions etc. please click here to for contact information.