Good to know about the flooring deal, wish I'd thought to ask when we replaced our fridge last year. Ended up paying full price and then saw a promo flyer a week later—typical luck, right? Curious though, does anyone know if these no-interest deals usually have hidden catches or fees if you miss a payment? Always makes me a bit cautious jumping into financing offers...
I've used Lowe's no-interest deals a couple of times, and from what I've seen, they're usually pretty straightforward—as long as you're careful. The catch is mostly if you miss a payment or don't pay off the balance by the promo end date. Then they hit you with retroactive interest, which can really sting. Happened to my brother-in-law once; he missed the deadline by literally two days and got charged interest going back to day one...ouch. Just gotta stay organized and mark your calendar, I guess.
Yeah, those retroactive interest charges can be brutal... Have you checked if Lowe's sends reminders or alerts as the promo period ends? Might help avoid slipping up by a day or two.
- Pretty sure Lowe's does send alerts, but they're easy to miss in a crowded inbox.
- I usually set my own calendar reminders a week ahead just to be safe.
- Curious though, anyone tried negotiating with Lowe's customer service if you barely miss the promo deadline? Any luck getting them to waive the retroactive charges?
"Curious though, anyone tried negotiating with Lowe's customer service if you barely miss the promo deadline? Any luck getting them to waive the retroactive charges?"
I've had mixed results. Missed a promo cutoff by literally two days once (my fault, got busy installing insulation). Called their customer service, explained politely, and they waived it as a one-time courtesy. Worth a shot, just be friendly and patient...
I've never had luck with Lowe's being flexible on promo deadlines, unfortunately. Missed one by literally a day (story of my life), and despite my best "charm offensive," no dice. Maybe I caught the rep on a bad day, or maybe my jokes weren't landing—who knows? Glad it worked out for you though...guess it really depends who picks up the phone.
I've had similar experiences with Lowe's promos—sometimes they're firm on deadlines, sometimes surprisingly flexible. Maybe next time try calling at a different hour? I've found morning reps tend to be a bit more accommodating...or maybe that's just my luck.
"I've found morning reps tend to be a bit more accommodating...or maybe that's just my luck."
Haha, mornings might be key. I once called Lowe's late in the evening about a promo and ended up chatting with a rep who sounded half-asleep. Got nowhere fast. Anyone else noticed evening shifts are kinda hit-or-miss?
I've noticed something similar, actually. Evening shifts seem to be staffed by folks who are either winding down or juggling multiple tasks at once. Maybe it's just fatigue setting in after a long day? I've had better luck calling mid-morning—reps seem more alert and willing to dig into details. But yeah, your experience isn't isolated:
"Got nowhere fast."
Been there myself...sometimes it's just the luck of the draw.
Yeah, I've definitely noticed that too—mid-morning calls seem to hit the sweet spot. Maybe it's because they're past their morning coffee but not yet worn down by the day's grind? I've also found weekends can be surprisingly good; fewer calls coming in means they're sometimes more relaxed and willing to chat through options. But then again, like you said, sometimes it's just luck...or lack thereof. Ever tried calling right when they open? Curious if that's any better.