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If not, then the interest accrued on your Lowe’s credit card account back-dates from the date that purchase was made — which can be a very unpleasant surprise considering the 26.99% APR. Only use the financing if you are 100% confident in your ability to pay it off in full before the promotion period ends.
This option is aimed at those undertaking major home improvement projects. If you’ve ever remodeled a house or moved into a bigger home you know how fast you can spend money on new major appliances, etc., so ,000 shouldn’t be a problem.
The 18-month financing comes into play for purchases of more than 9.
As always with special financing on store-card purchases, you need to read the fine print up front: Read the rules and you will see that in order to pay no interest, you have to pay off the entire amount before the 12 or 18 months are up.
For some, especially snowbirds who winter in the south, people who shop across the border regularly or shop online, or those who use their credit card to make business purchases from U. Not to mention it also wipes away the 1-2% in rewards you thought you were earning.The fact is, Canadians travel out of country a lot more often than Americans travel out of the United States, so it’s easier for an American issuer to give up on FX fees than for a Canadian issuer.For a quick proxy, 30% of Americans have a passport, compared to 70% of Canadians, a good indication of foreign travel.The good news is, not every credit card issuer charges the fee.The bad news is, only two credit card issuers in Canada subsidize the fee, represent too large a part of a Canadian credit card company’s income stream to walk away from.