How to Cancel a Lowe’s Credit Card: Step-By-Step

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If you’ve ended up on this article, you must be looking for some assistance with canceling your Lowe’s credit card. It’s good to have credit cards in case of an emergency so you can have additional funds to lean on. Especially if you are a Lowe’s shopper looking to maximize your experience with them.

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It’s beneficial to keep up-to-date on credit cards and billing dates that come along with them. Most cards allow you to cancel them whenever you choose, assuming you are not carrying a balance. In fact, some people may cancel cards on the regular, especially when it comes to cards from department and retail stores. 

You may be canceling your own credit card or looking to delete that of a loved one who has passed. Executor duties are managed by either an assigned official, spouse, or the trusted loved one of the deceased. As an executor, you may also be settling a loved one’s estate, which includes tasks such as canceling credit cards. This may also include streamlining their finances, closing bank accounts, planning end-of-life arrangements, or alerting credit card companies and closing cards, like a Lowe’s credit card.

These are just a few items on the list of what you may have to do when someone passes away. You or your loved one may have a Lowe’s credit card that you’re looking to cancelkeep reading to find out how. 

How to Cancel Your Own Lowe’s Credit Card

Lowe’s is a home improvement-centered retail store with chains all around the U.S. and Canada. They are known for carrying products such as plants, tools, and appliances to fix up your home or handle maintenance issues. Some frequent shoppers may decide to sign up for a Lowe’s credit card to get rewards, help with financing purchases, and more.

It also can help to improve your credit score and shopping experience. However, if you are no longer using the card or do not find the rewards that helpful, you may want to cancel.

If you’re ready to cancel, head over to Lowe’s website to begin. 

Step 1: Head to Lowe’s website 

You can cancel your Lowe’s credit card by heading over to your account page from the Lowe’s website page with Synchrony Bank. Immediately on the left side of the page, you will see the option to fill in your user account information. If this is your first time going online to access your account, you can register for an account by providing your credit card information and your zip code. 

Step 2: Log in to your account

Make sure to put in the proper username and password for your Lowe’s credit card account. Once you’ve clicked on the “Secure Login” button, you will see your account information pop up on a new page. Click on your profile to continue.

Step 3: Cancel your Lowe’s credit card  

After logging in to your Lowe’s account, click on your account services. Once you’ve made it there click to close your account. With many credit card cancelations, you may be asked to make the request via form, over the phone, or in writing. Make sure to check online before doing so. You can find the phone number to contact Synchrony Bank on the back of your credit card or on your account dashboard.

You can also submit a request to delete your account via mail (after speaking to a customer service representative) at Synchrony Bank, PO Box 965030, Orlando, FL 32896-5030. Or by calling Lowe’s credit center at 1-800-444-1408 or Synchrony Bank at 1-877-295-2080.

How to Cancel a Deceased Loved One’s Lowe’s Credit Card

Do you have a deceased loved one who still has an active Lowe’s account? Below are the steps to cancel your loved one’s credit card account. 

Step 1: Log in to their Lowe’s Credit Card account

In order to start the cancelation process, you may want to access their credit card account online if possible. Repeat the login process mentioned above with your loved one’s account information. If you do not know their username and password, there is the possibility they may have saved it in a password manager.

You can access their password manager on their phone or computer, provided you have the secret key or master password necessary to gain entry.

Step 2: Call Lowe’s Credit Card support

With any financial accounts, it is important that you reach out to the supporting bank or company that manages the credit card account. You can find the specific phone number for Lowe’s credit card with Synchrony Bank online via your loved one’s account dashboard, or listed here: 

  • Lowe’s credit center: 1-800-444-1408
  • Synchrony Bank: 1-877-295-2080

Ask to speak with the department that handles accounts for customers that have died. They will likely ask for credit card information to identify the account, so make sure to have the physical card around or a statement.

You can also submit a request to cancel the account via snail mail after speaking to a customer service representative at Synchrony Bank. Their address is the following: PO Box 965030, Orlando, FL 32896-5030.

Step 3: Prepare any relevant documents

When it comes to canceling credit cards, you may want to get a death certificate at the ready as proof of death. As an executor, you may want to have at least ten or so copies of the death certificate. Many financial institutions require this information so they do not label the account as delinquent, or pass it to a collections agency, for example.

In addition, it doesn’t hurt to have a copy of the letters of administration, or letters testamentary. This document legally states that you are the representative of your loved one’s estate and have the authority to act on its behalf.

Step 4: Pay off the balance

As an executor, you are responsible for closing accounts and paying off any remaining balances through the estate. If you are unsure about the laws regarding paying off credit card balances, you may want to contact a local estate attorney to help you navigate the payment process.

Frequently Asked Questions: Cancel a Lowe’s Credit Card

If you are concerned and have some questions before starting the process, you may not be alone. Below are some popular questions related to ending your Lowe’s credit card.

Can you cancel a Lowe’s credit card at any time?

Yes, you can cancel at any time. You can still access old documents related to your purchases or reapply for a credit card at any time. 

Do you get a refund if you cancel your Lowe’s credit card?

Unfortunately, you cannot get a refund for canceling your credit card. If you lose a Lowe’s gift card, or it is stolen from you, they will offer you whatever the remaining balance was if you present them your receipt. Typically, department store credit cards do not have annual fees, but you will want to check ahead of time. 

Can you cancel your subscription on an iPhone or Android?

You cannot cancel any apps on your iPhone or Android, but you can start the process by obtaining the relevant information through your account.

Quick Steps To Cancel Your Lowe’s Credit Card

By using this article as a guiding light, you can easily delete your Lowe’s credit card. Keep in mind that you can do so online, over the phone, or through the mail (whichever process feels easiest for you). Also, the contact numbers listed above should be utilized if you need further clarity after making your way through this quick read! 

Canceling credit cards can help you organize your finances and keep track of what’s in your wallet, without having lingering accounts that you’re no longer interested in using. It can also prevent you from losing your physical card, or your loved ones, and it falling into the wrong hands! If you have any more questions feel free to check out our FAQs as well to learn more about helping out your loved one after they’ve passed. 


Source:
  1. “How Can We Help You Today?” Help Center, Lowe’s, 2022, Lowes.com.

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