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The Daily Insight Hub

Can you get in trouble for not paying your credit cards?

Author

Sarah Martinez

Updated on February 13, 2026

While debt collectors cannot have you arrested for not paying your credit card debt, creditors can still use the legal system to make sure they get their money back. The most common legal recourse is to sue you for payment. If you get sued for unpaid credit card debt, don’t ignore the lawsuit.

Which credit card company does Lowes use?

Citi is an advertising partner. The Lowe’s Advantage Credit Card can be a great option for anyone who frequently shops at Lowe’s, given the high savings and financing features it offers cardholders.

Does Lowes have after pay?

No, Lowes does not accept Afterpay financing.

Is there an annual fee for Lowes credit card?

The Lowe’s Advantage Card has an annual fee of $0. That makes it easy to pull ahead in savings, even if you don’t use it for a time — say, when you’re between remodeling projects.

Is Lowes credit card hard to get?

Approval Requirements & Application The Lowe’s Advantage Credit Card is reported to be among the more difficult store cards to get, generally preferring applicants with “fair” credit or better (FICO scores above 620).

Does Lowes accept snap finance?

No, Lowe’s does not accept Snap Finance.

Can you get arrested for not paying your credit card debt?

While debt collectors cannot have you arrested for not paying your credit card debt, creditors can still use the legal system to make sure they get their money back. The most common legal recourse is to sue you for payment. If you get sued for unpaid credit card debt, don’t ignore the lawsuit.

Where can I pay my Lowes credit card online?

Simply use your Lowe’s Advantage Credit Card login portal, which can be accessed from Lowes.com, to view and pay your bill securely. Online account management means you’ll never have to miss your Lowe’s Advantage Credit Card payment.

What are the benefits of having a Lowe’s credit card?

With daily savings of 5% on purchases and options for financing large projects, your Lowe’s credit card account can mean saving big on your home projects or improving margins for your contracting business. However, any benefits you might gain are dependent on you paying your bill in a timely fashion to avoid paying finance charges.

Where to pay with American Express at Lowe’s?

Call American Express at 866-537-1397 to get the payment address for your state. You can pay your Lowe’s credit card in any Lowe’s store. If you’re making an in-store payment for the first time, visit the customer service desk.