The main Lowe's credit card phone number and what it covers
The primary phone number for Lowe's credit card customer service is 1-888-840-7651. This line handles account questions, payment issues, fraud reports, and general card management for both the Lowe's Advantage Card (the store card) and the Lowe's Visa card (which works anywhere Visa is accepted).
The line is staffed during business hours, typically Monday through Friday, 8 a.m. to 8 p.m. Eastern time, and Saturday 9 a.m. to 6 p.m. Eastern time. Wait times vary depending on call volume. If you're calling about a lost or stolen card, you can reach the fraud line 24 hours a day at the same number — the system will route you to the right department based on your reason for calling.
You'll need your card number or the phone number associated with your account to verify your identity. Have your recent statement nearby if you're calling about a specific charge or payment.
Key Takeaways
- The main Lowe's credit card customer service number is 1-888-840-7651, available Monday through Friday 8 a.m. to 8 p.m. Eastern and Saturday 9 a.m. to 6 p.m. Eastern.
- The fraud and lost card line at the same number operates 24 hours a day, seven days a week.
- You can also reach Lowe's credit card support through the Lowe's website or mobile app without waiting on hold.
- Have your card number or account phone number ready before calling to speed up verification.
- For billing disputes or payment posting questions, written documentation through your online account often creates a faster record than a phone call.
What you can handle online instead of calling
Before you call, check whether your issue can be resolved faster through the Lowe's website or mobile app. You can view your balance, make payments, set up autopay, update your address, and read statements without speaking to anyone. The app also lets you lock or unlock your card when ready if you're concerned about fraud but don't want to cancel it.
If you're disputing a charge or reporting unauthorized activity, you can start the process online and then call to complete it. This creates a timestamped record of when you reported the issue, which matters for fraud protection timelines. The phone call then becomes a follow-up rather than the first step.
When to call versus when to write
Call the number above if you need an when ready answer — your payment didn't post, your card was declined, or you need to report fraud right now. The phone line is fastest for time-sensitive problems.
Write (through your online account or by mail) if you're disputing a charge, requesting a credit for a return, or asking about a billing error. Written requests create a paper trail and trigger formal dispute procedures that give you stronger legal protection. A phone conversation is easier, but a written record is stronger if the issue escalates.
Lowe's credit card phone numbers by issue type
| Issue Type | Phone Number | Hours |
|---|---|---|
| General account questions, payments, balance | 1-888-840-7651 | Mon–Fri 8 a.m.–8 p.m. ET; Sat 9 a.m.–6 p.m. ET |
| Lost, stolen, or fraudulent card | 1-888-840-7651 | 24/7 |
| Rewards or promotional questions | 1-888-840-7651 | Mon–Fri 8 a.m.–8 p.m. ET; Sat 9 a.m.–6 p.m. ET |
| Credit limit increase request | 1-888-840-7651 | Mon–Fri 8 a.m.–8 p.m. ET; Sat 9 a.m.–6 p.m. ET |
What to have ready before you call
Gather these items before dialing to avoid being transferred or put on hold a second time. You'll need your Lowe's credit card number or the phone number on file with your account. If you're calling about a specific transaction, have the date and amount. If you're reporting fraud, have a list of the charges you don't recognize.
If you're calling about a payment that hasn't posted, have your confirmation number from when you made the payment. If you're asking about a promotional offer or rewards, have the offer details or your recent statement. The more specific you are, the faster the representative can help you.
If you can't reach anyone or the wait is too long
If the phone line is busy or the wait exceeds 30 minutes, try calling back during off-peak hours — early morning (before 9 a.m.) or late afternoon (after 5 p.m.) typically have shorter queues. You can also log into your account online and use the chat feature if one is available, or send a find message through your online account asking for a callback.
For non-urgent issues, email is often faster than you'd expect. Look for a "Contact Us" link on the Lowe's website and select the email option. Response times are usually two to three business days, which is often quicker than waiting on hold and then waiting for a callback.
Frequently Asked Questions
Is there a different number for the Lowe's Visa card versus the store card?
No. Both the Lowe's Advantage Card (store card) and the Lowe's Visa card use the same customer service number: 1-888-840-7651. When you call, the system will ask which card you're calling about and route you accordingly, but you don't need to know a separate number.
What happens if I call after hours?
If you call outside business hours on a weekday or after Saturday closing, you'll reach an automated system. You can report a lost or stolen card when ready, or you can leave a callback request and someone will contact you during the next business day. For fraud, the 24-hour line means you can always reach a person if you press the fraud option.
Can I dispute a charge over the phone?
You can report a charge over the phone and the representative will document it, but you should also file a written dispute through your online account or by mail. Written disputes trigger formal procedures that give you stronger legal protection under federal law. The phone call starts the process; the written dispute makes it official.
What if I'm calling from outside the United States?
The 1-888 number is a toll-free line within the U.S. and Canada only. If you're calling from another country, you'll need to use the international version of the number, which you can find on the back of your card or on the Lowe's website. International calls may incur long-distance charges depending on your phone plan.
How long does it take to get a callback if I request one?
Callback requests are usually returned within one business day during regular hours. If you request a callback after 5 p.m. on a Friday, expect contact on Monday. For urgent issues like fraud, call back during business hours instead of requesting a callback — the fraud line is 24/7 and will connect you when ready.