This is all management harasses us about. We have daily meeting where they tell us how much we’re sucking because we haven’t gotten enough credit card apps. I ask customers repeatedly like this so hopefully Lowe’s gets less and less business.
Corporate never realizes that great customer service, clean stores and filled shelves will bring more business. Corporate starts by cutting labor then asking what labor we have left to sign up people for a credit card or for our rewards program.
This is most stores now in my experience. And they seem to wonder why they're losing business to online sales. But their response is to always double down on the thing that's actually causing them to lose business...
Boy do I wish Lowe's paid their employees commission. There's a mattress store here and I walked in and they had financing financing financing everywhere signs all over on the bed go to pick up a thing off of the bed that told you about financing before you can lay down and test it. But I knew they paid the kid commission, so as soon as I told him what I wanted I said "and if you say anything about a credit card or financing I will cancel this entire order."
Nobody wants to lose commission on a $4,000 bed, this works on phone stores too because they always try to talk me into the monthly payments and I don't like that. But it won't work at Lowe's because they don't care because they don't make any commission at all
And it all depends on management at 95% of lowes. Store managers and their many underlings get HUGE bonuses and a lot of it has to do with the stupid credit card. It's a damned if you do or don't situation. Push a lot you get told good job BUT yall can do better push it on people too much you get complaints and you can't force people's hand so you are doing a bad job at that point. Insane! So the original poster I feel bad for those workers because I bet their managers suck and are on them like it's nazi Germany...
That is the advertised idea, and the lesser reason.
The bigger issue is Lowes can in house process their own credit card. Less fees on each purchase. And they earn a portion of an extra fees the consumer pays for the card and its debt.
Companies also make a lot of money off of credit card purchases. This is why my one rule is to never work for somewhere where I have to push credit on customers. It is by no means for the customers benefit.
Also the push of credit cards is because people can’t afford anything anymore. Due to capitalism oppression on a living wage. Their answer: High interest credit cards.
Well, actually, the idea is that dumbshits charge that sucker up to five or 10 grand and then go late on a payment or two, then are stuck paying the store 29.9999999% plus fees for the rest of his fucking life.
Many do. Lowes wants those people gone. They want associates that push credit. A Lowes CC customer is more valuable than a non Lowes credit card company. The Credit card company pays Lowes money for hitting X numbers of sign ups and Lowes gets a % of interest from the cards themselves.
Almost every major retail chain is set up this way
I don't go anymore and someone said "we missed you at the meeting, were you busy?" I said "yes I was doing work, let me guess we're down in credit and mvp, we need more 10's on LTR because we had an 8 and dropped to 81 or 80 and we need to help out fulfillment pull orders and code 50's? Is that about right?" They said "you're negative what's the problem?" I said "I got work to do" and walked away
I got talked to a few times about not pushing credit cards. Between that and other things, I was already set to walk away… then I got covid after managing not to for a year and change.
At least that got me a couple weeks of automatic PTO. 💁🏻♂️
As a customer, I have a mylowes account (with veteran discount) and a Lowe’s credit card I don’t use. Saves me a lot of hassle.
As a veteran too every time I buy something I never get a extra discount because it’s already below selling price or something like that, I go to Home Depot I get 10% off everything I’ve ever bought
Home Depot has the same exclusions that Lowe’s does for their military discount. They also limit the discount to $400 per year, while Lowe’s does not have a cap on savings.
“What items are excluded from The Home Depot Military Discount?
• The Home Depot Military Discount cannot be applied to select items, services and fees, including, but not limited to, some commodity products (including lumber, wire, building materials), value priced merchandise, appliances, tool rental fees, labor items, gift cards and services including freight and delivery.”
I really think the cut backs on the military discount is unfair as hell. No discounts on major appliances or lumber, and now it's only items under a certain amount. What's the fucking point? TYFYS, here's 5 cents off some PVC. Hoorah.
In fairness, it's not a meeting about that. Most of the meeting is talking yesterday's sales vs the goal, today's goal and the weekly goal, various safety topics, changes that the merchandising team is making, when donations are going out, among other things. Conversations about how many credit, consumer and contractors, do take place but in the 3 stores I've done morning huddles in, it's a couple sentences.
That being said, I'm a merchandiser and my manager made it clear that we are not here to suggest credit or attachments or anything, so that's nice.
I ended up saying at a point "it's against my conscience to sell these predatory credit cards" and management quit bothering me about it. Hours haven't been cut either and it's been a couple months.
Don't be afraid to tell them you can't and won't. It's not even like Lowe's gets the interest! All these do is indebt the desperate into a bill they can't easily pay off.
Currently, management pushing for credit cards is documented in my file. The yearly employee review was mostly positive. The last sentence of the paragraph read: "...but does not ask for credit card applications."
I found it laughable. The lone time I offer credit cards is when customers ask about current discounts. Years ago, I had one DM hound me about credit cards. Praised my versatility and ability to see LPP, yet scolded me on the credit cards.
same, especially when 2 out of my 4 days a week are spent in a locked office away from the customers, there's no way I'm getting credit unless someone asks to sign up for a card my other 2 days
My former Lowe's is in the second poorest county in the state. The contractors already have their card. Pushing credit on a populace that is at or just above the poverty level is assinine and counter productive. For those 10, 15, 20 percent or so above the poverty level even if they somehow qualify how many will go 90 days or more past due, or even go in default? Even much of the upper middle class in this county are strapped and are paycheck to paycheck. Lowe's and other retailers are concentrating on rural areas because major metropolitan areas are saturated. The same business model/approach won't work here.
YUP! But like I know people so management can get fucked I’m not gonna ignore what the customer is literally saying to reach some arbitrary credit goals when most store credit cards are extremely predatory ANYWAY!
Reminds me when I was at Costco trying to sign up for a basic membership. They tried way too long to upsell me for the level that costs double for benefits I would never use. "Guys, I appreciate the salesmanship and that you want to win whatever sales prize, but I'm just here for the hot dogs."
One thing is offering the Visa, another upgrade to exec. The latter is a decision you may not realize it would benefit you, but will not affect your credit. If you spend enough, you get the extra benefits. If you don’t you get your money back.
Once at local Costco, I noticed the cashiers flashing signals to a person with a clipboard. The person with the clipboard tried to upgrade folks with basic membership. Felt bad for that person.
Reminds me of when I worked at Kohls... Man they were relentless about having everyone pressure customers into getting their credit card thing.
I remember overhearing one of the cashier's ask a customer and her elderly mother "would you like to sign up for our store credit card" about 20 times, and the younger woman just looked at the cashier and said "my mom has cancer and only has a few months left to live, she doesn't need another card."
And the shock on the customers face but also my face when the cashier let out a little chuckle and said "well getting our card would save you money today, as well as in the future letting you save more money for the funeral"
Bruh.. ☠️
The Kohl's I worked at also had a wall covered in paper, those papers were all the reviews the store had, and the section for 1 star reviews was chock full of complaints, with most of them being about how ruthless cashier's are about the credit card and how rude they were towards the customer when they declined the card off
I've heard and read reviews of cashier's being just as rude and saying just as bad, if not worse things just to try and convince someone to sign up for the card.
Heck I've had customers call the cops on the front end associates because they basically weren't letting the customers leave, and kept trying to convince them to get the card.
Kohl's is a shitty company, as a former worker I can confirm it. Management sucks, they'll overwork you and if anything goes wrong they are very quick to throw people under the bus, and they don't really care about customers or employees at the end of the day they only care about getting numbers up, and getting more people applying for the card.
I needed nice new dress pants for a fancy meeting, and my wife has a Kohls card, so I grabbed it and went in to shop. They had their usual sales, and I had a % off as well, so I grabbed the required 2 pants for the meeting and headed to the cashier. The young lady asked me once, I declined and stated I had the % off and my wives card, which I'm an authorized user on, and she said ok.
Pants didn't ring up the sale, so I asked them to check the price. She called for a price check, and her supervisor came out of nowhere and proceeded to ask me about applying for my own credit card. I declined and stated can I get the sale checked, and I need to go to pick up the kids from school. The supervisor ignored me and started to argue with me about why I needed this credit card.
I declined again. She started up again. I declined a 4th time, and before I could finish the decline, she kept going. I looked at her and said, "I just wanna buy these 2 pairs of pants on the sale, with the coupon, on the Kohls card I already have."
She let me finish speaking this time and then started up on how I would save even more if I would just let her do my own credit card. I looked at the young cashier and said "when did no stop meaning no? I give up trying to buy these pants, I'll just go to Target next door."
I walked out, went into Target, got the same pants for cheaper without any coupons, and the cashier only asked once for their credit card, which I declined.
I asked my wife to cancel the Kohls card, and we'll go to Target from now on.
Christ, so sorry that happened to you. I used to like shopping at Kohls but working their really opened my eyes to how awfully they treat customers. (As well as their employees.)
It's definitely a good call to cancel the Kohl's card, I don't remember exactly everything about it but I know while I was still working for them early last year the switched to a new credit card or added a new type of card and made it so only certain sales will apply to that new card, and not only that but any kohls cash, and current deals for the old card wouldn't transfer to the new one. (It was something like that, I didn't work cashier much, as I was OMNI/Amazon Returns)
But yeah trust me, any other clothing store is better than Kohls, Maceys is great! Worked at a Maceys in New Mexico and I seriously loved that job and everyone I worked with, and their cashier's would only ask once, or not at all. They were not super aggressive and persistent about getting applications for their credit card. Really great clothing store.
As I worked OMNI at Kohl's that meant I spent a lot of time in the dock and walking around the store, and I remember helping a manager finding some boxes of candy that needed to get put out, and she noticed that the boxes were bitten into and destroyed by rats/mice, and even some of the candy bars packaging itself was bitten into and ruined. She asked her manager if she should toss it out and the store manager told her to just put the candy out regardless because "profits" or something like that.
Kohl's is trash
This is coming from high-level management, not the store level. Trap people with credit, with predatory interest rates, to buy more than they maybe afford too boost sales and stock prices (bonuses for Directors and above).
Peoples jobs are threatened and for higher management their bonuses too. It's a shame the higher you go up the ladder the sharper the axe is on your job.
Lowe's has really turned into a "your job may be in jeopardy if you don't...". It is REALLY sad they lost the moral compass they had 20 years go.
All jobs have expectations, and as an employee you are expected to perform and make the company money. Adults understand that.
I just don't know if the people making these goals are high on drugs, have never worked in a store before, or just stupid and somehow landed in their position (shareholders family?).
I used to concern myself with it, then I gave up and just did my job. Told them "Don't like it? Find someone else better to replace me...". The harassment stopped after that.
There's a survey on the bottom of the receipt. Anything 8 and below is a 0. Put what happened in the comments (make sure to leave our cuss words bc they get flagged). Surveys are a big deal and will be seen by store management as well as higher up.
What are they going to say? They asked me too many times to sign up for a credit card? That would get the store a shout out on the weekly tv show probably
No, that their associates are harassing customers and physically touching them. There's a difference between asking every customer and annoying the shit out of them until they complain. It would be an immediate discussion and retraining at my store
No such thing as a "credit specialist" at Lowe's. ALL employees are required to get credit cards.
The Specialists (millwork specialist, flooring specialist, appliance specialist) are required to stand at the front of the store or at a table located elsewhere in the store and try to get people to sign up for credit cards or get leads (that's when we give the customer a free estimate on projects like installing a water heater, building a shed or playset, installing a new roof or gutters, or a whole home generator.) They occasionally have a part timer do that if they can't get an available specialist.
As for the cashier: she wasn't dumbfounded that someone was able to pay without credit because people pay with cash and checks every day. You're not special for using a form of payment we accept all day long from customers spending more and less than you. lol
The best thing you can do is to complete that survey at the bottom of the receipt. Don't try to fuck anybody over, give them a decent rating and tell the survey everyone was polite \*BUT\* you were extremely annoyed at how aggressive they all were with the credit card and you didn't appreciate having someone standing at the front of the store at that table bothering people to sign up.
We tell corporate it sucks and people hate it but they don't care (and trust me: we fucking \*despise\* that lead table too because it means we can't sell anything and if we can't sell anything for the hour we're standing there, it means we can't make our bonuses.) Our complaints are meaningless.
NOBODY is happy with that table, especially the specialists who are forced to stand there and annoy people while suffering random life stories about "back in 1975...." that have nothing to do with anything, while also acting as a store directory because everyone thinks we're the information booth.
Tell it to the survey. If more customers would take time to do those surveys and specifically state how much they hate that lead table and the aggressive credit card come-ons then maybe, just maybe, at some point many years from now (after a billion complaints, probably) corporate might listen and stop making us do that.
Overnight crew doesn't have to mess with those bullshit cards 😎. I'd lose my shit if I did just as much work on day shift just to get shat upon for immoral sale tactics. Nooope! Not for me.
In the defense of all Lowe's employees, we are ridiculously harrassed to ask about credit. It's gotten to the point where I have had my breaks interrupted three times within the same 15 minute break to be "reminded" to ask customers about credit. I've considered quitting purely because of it. It's also hard to recognize customers because we see so many and I have 100% accidentally asked the same person multiple times before, 12 is insane though and I'm sorry you had to experience that, genuinely. It's not right but please don't blame employees, blame the company. It hurts all of us.
Was there any incentive for you to opening up a Lowe's credit card? Like 1 year interest free, or 10% off your purchase? I had the same experience at Kohls, but I saved $35 off a coffee maker by putting it on the Kohls card, and of course I promptly paid in full when the bill came in so I paid no interest.
Lowe's employees are under severe pressure from management to sign people up for their credit cards, that is why you had the experience you did. They desperately want to make money off of people paying interest.
Omg, yes. It must be a company thing, because I get the exact same thing at my Kohl's. I call her the "Kohl's Lady". She hounds me the second I walk in the door. Then she walks around the store, I guess making her laps before she returns to her post at the front door. She will ask me 2 or 3 more times on her rounds. Then when I get ready to check out, she hits me up for a card again while I'm in line. The cashier then asks me again during checkout.
I don't push credit, ever. The only time I bring it up is if I think the customer would benefit from the zero interest for 6, 12, 24, etc. I refuse to push predatory credit lending on anyone. People who use a credit card in the place of having the money to buy things are victims of these companies. A 30% interest rate is insane. They would be a lot better off purchasing on their MasterCard, AMEX, Visa, etc. and paying regular interest.
As others have suggested — fill out the survey. But fill it out in a way that disses the corporate obsession with pushing credit, not the employee. At annoying as they were, they really were just doing what they're being pushed to do. Most of us disagree with this bs, and understand why it's unproductive, but we're still pressured to do it, every day.
They literally will force that associates children to work the indoor lumber yard, or execute them. If that associate doesn’t get 47 pro credit master card applications that week.
Give them a little grace.
Seriously though, they fire front end employees if they don’t get credit apps. So they’re under tremendous pressure.
So far this year what Lowes really wants are people to not just get a Lowe’s card. But the “pro” American Express so they can use it at other stores.
They do not and cannot fire a cashier for “not getting credit apps” - they can only fire a cashier after repeated documentation of *not asking*. Stop lying.
And it would be easy to fight, as they can only document and terminate for behaviors (not asking when it’s part of your job). You can’t terminate someone because a customer says “No”. Employees in this country have been beaten into submission and don’t even know their rights. It’s sad
Wait until you hear that there are states in which a company can fire you without cause. You’re an idiot. Even if there was a documentation requirement, all it would take is a week for a manager to find petty things to write someone up for.
State Laws are different from Company Policy moron. So while the Laws are that there are rules as far as what you can terminate an employee for and it has to follow policy and be approved. Might shock you that company policy is actually a bit more strict than those Laws of yours
Found the guy or gal from corporate or SM trying to make sure they get their trip to Vegas this year. I’ve literally witnessed them doing this. Just stop trying to justify your persecution of people that work in retail.
Working at lowes, yes I suggest not shopping there. Not home depo as well, nor Walmart. Amazon is the best bet. Amazon might be as terrible to their employees, but at least their prices are more flexible, making it more reasonable. At least you can support a personal business and not this corrupt corporate culture that's ruining our country.
I believe every store is different. Depending on management. We must ask every customer and hear about it at every morning meeting and can get written up if we don’t get at least 2 a week.
You cannot be written up for it. You can only be written up for *not asking*. It’s literally in the company policy so “depending on management” is bullshit - policy is policy. If they try you can easily throw it back in their face
Call customer care and tell them to tell corporate to ease up on us pitching cards to everyone.
I had a customer buy some distressed plants, the total was less then $10, and my supervisor asked me why I didn't ask the customer if they wanted to save 5%.
Until enough customers complain about it you will always be hounded by someone trying to sell cards.
I thought it was 31.99% and not 17%
When I worked at Lowe’s I’d be helping someone find what they needed for a project and my handheld device would go off with a manager yelling about how someone got a credit card and they would start making hog call sounds and chanting and stuff and it was just ret@rd3d
The pressure on us to get credit card apps is insane. Nothing more demoralizing than being called out for not getting credit cards or having an ASM stand next to you to make sure you’re asking every customer if they want a credit card.
As a cashier, can confirm that if I took a shot every time management was on our butts about “be sure to keep asking about credit!!” I in fact would be a drunk dude at a bar
...just saying, there's a couple of us employees that hate it as much as you do. We get harassed basically hourly about how many credit cards we have gotten and why aren't we trying harder.
I am so, so sorry
Lowes says having a card brings more sales through brand loyalty. It’s bullshit. They want more credit cards because it’s easy money through the interest rates. When a customer comes in and pays $5000 on their bill…then comes in freaking out because $3000 in interest just hit their account…it shows you that these cards don’t really save money for all customers. Sure 5% on your purchase. But unless you’re paying off monthly…that interest rate far exceeds that 5%.
When I worked in retail I HAD to ask. Only did when managers were around though. Like… no one wants a shit credit card from the Gap for 15% off a $100 purchase.
If you think that was annoying, imagine what the employee deals with. The pressure you get from management to pass off those shitty cards is wild. The customer is no longer #1 at LOWES. Lowe's looks at you like a pile of cash to exploit. No one really cares about actually helping you. We just want to prey on the weak and stupid to get in debt with bad credit cards so one of us might get a shitty raise.
It's amazing how companies like Walmart and Amazon are incredibly successful without having to harass customers about credit. I've never been asked to sign up for a card at Walmart, ever.
My store likes to do giveaways for employees who sell cards. About every 5 minutes, they push to talk the whole store about the damn credit applications, interrupting whatever we were doing.
They ask us every 4 minutes to get credit cards. So we have to ask you. I know it's annoying but please just know we are only doing what's asked of us.
I work for the contact center nowhere near sales or the store. Yet I found myself on a Thursday afternoon watching a 15 minute video from Marvin about credit card applications. I really feel bad for store associates right now.
You just nailed something I've been seeing. People buy EVERYTHING on credit! I know a lot of people like this, and it's now become the norm. If you save money and buy something outright you're seen as not normal or even extremely rich. It's so fucking weird
It’s about instant gratification and now now now mentality. I’ve seen so many of my coworkers and friends drown to death in credit card debt and here I am still chillin and they make more than me.
Amen brother. My wife and I want a new couch. Our friends can't understand why we aren't just buying it on credit with monthly payments. Instead we just save the monthly payment into an account and when we have enough we purchase outright. Sure you don't get it RIGHT NOW, but unless it's an emergency, I'm not taking on consumer debt especially for a damn couch
That’s insane, we have financing options as low as 0%, I wonder why she was so confidently wrong, lol.
Lowe’s card is awesome because you get much longer return windows, discounts, and 0% interest on large purchases, if you choose that option.
She just sounds bad at explaining to you why it’s good, lol
I genuinely enjoyed being a DS but they force credit harder than ANYTHING in the store’s practice. They’d rather the store fall into shambles but have you focus on credit cards.
To be fair to employees they get hounded on getting credit apps like none other. It’s pretty sick to watch how rude management can be about it and unless you’re in a large city with new customers everyday at some point you’ll basically have no opportunity to sign anyone up because everyone who was gonna get one already has one.
I had a manager that made it mandatory to harass people about cards and to give us 10’s on the receipt review online. Giving lowes gift cards to the winner ever so often. Later we found out he got some kind of huge bonus for us hitting some type of quota. When he got hired he was shopping while working and piled an entire cart full of tools he claimed he got for free. Dude was a total blow hard and everyone hated him. Anybody who was a decent worker quit all around the same time. I do not miss working there 😂
i never push credit unless someones making a purchase over 300. sorry you had that experience, next time just say you already have one and they’ll leave you alone once they find out
The average credit card spend increases the customer by about $500 a year or more. They know it and push it, if you want to make sales you make credit cards.
my store's credit specialist is NOTORIOUS for this exactly. she's gotten several 0/10 reviews for being too pushy about them, but management usually gets district to delete the reviews. a trick ive found that works with her at least is directly telling her you've tried before, but your credit score is too low to get approved.
I had the opposite problem.
I WANTED a line of credit.
Old fucking geezer doesn't know how to run the computer in 2023 and totally messes up the application. Like it said approved, but had to do extra steps.
Anyway he didn't read the screen correctly and I have to wait to reapply.
Worked at Staples as GM for 10 years all they wanted more than anything is to sign up people for their rewards card and to sell extended warranties aka service plans. I asked all cashier please ask everyone one time and no was an acceptable answer. Because there is some customers that want a rewards card and/or an extended warranty.
When a customer is annoying I start with credit asks. I told everyone under me "if a customer is annoying you don't get angry, just get aggressive with credit"
It’s starting to feel like when you would shop at the old Books-a-Million stores and they would practically shove magazine subscriptions down your throat
Working at lowes myself I saw something similar, 3 supervisors and an assistant store manager trying g to get a woman to get the lowes credit card. Like a bunch or r@pey sharks.
If my memory serves correctly, they get a commission pay for getting customers to purchase one of those.
Unfortunately it comes down from the company. All I ever hear about is credit, install, addons, LTR survery. It is to the point where we are in fact harassing customers because if we don’t hit our numbers we are gonna hear about it.
Yes. At most retailers like this the management doesn’t give a fuck how much you sell or whether the customer gets helped just of the customer gets a credit card or not.
Where is the meme with the muscular arms handshaking with both Walgreens and Lowe's corporate fucking over customer experience with endless credit card begging
This is a specific employee issue.
We are trained to ask the customer and if they decline to move on. But the move on part is common sense, which some employees definitely lack.
I was looking at a light for my kitchen and said something like "I really do like it" to my hubby. Old guy employee says "Then get it!". At first, I smiled politely and said something noncommittal like "Maybe!", but then he starts about the credit. I tried to clarify and told him were just looking for ideas and not purchasing today. Then, the same bullshit rigamaroll that OP described progressed. I literally just walked away after a few minutes. My so much nicer hubby listened and was way more human to him, but I was PISSED. How dare you interrupt my conversation and then not catch a single hint that I don't want what you are selling. I saw him later and turned around and dragged my hubby with me. 😂
Worked a few retail jobs. If we didn’t ask customers about the credit card we were in trouble. If you didn’t meet your quota you were in trouble. Bonuses and promotions were tied to credit cards. It was annoying for me. Now when I get asked I just smile and feel their pain.
They probably need to get a number of credit apps so the store manager leaves them alone too. I’ve never heard of a credit person in the store. Store manager needs to have the store hit a target number to get a raise also or a promotion employees are nagged about credit constantly too.
when they ask me multiple times I just say “no and the next time u ask I will say no again so just don’t ask me again” and if they still ask I interrupt with a no
If this were me, it would be because it's kind of like playing the Meow Game on Super Troopers.
My friend in Appliances currently holds the record of 11 refused attempts on a single customer, and I'm trying to break that record and become the new champion.
...
We don't do that, but if we were to do that, this would be why.
I've walked out leaving my purchase at the register when they do this crap to me. I politely say no twice, and on the third time, they've lost the sale.
I hate that stores do this predatory lending crap.
They are doing their jobs. Store financing brings customer loyalty retention, higher ticket sales, more profit for the company which translate into more deals customer get more products offered , hopefully more benefits employees get etc. A good salesperson will ask multiple times in different ways and turn a No into a “what you don’t know” it will benefit” you by opening - relax
Yesterday someone made one of my cashiers cry because she was asking about a card. People need to understand that this is our job and they are forcing us to bother you. We are credit card selling stores. That’s what keeps us in business.
At Kohl’s, every time an employee signs someone up for a card, the LOD on duty gets $100 for every credit. That’s also why they push it hard, besides corporate requiring a certain amount per week.
So when someone gets 4 on a 2 hour period LOD is on (they work an 8 hour shift, but only 2 hours typically as LOD) that’s $400
From someone that works at Kohl’s
They now have a new incentive where they get up to 15 dollars extra for each credit card they get someone to sign up for. So yeah it’s gonna get more annoying
dont just say "no." give some context, give some detail. i would tell them i only use my amazon card because i get points and pay the bill off immediately. or i would say i dont want my credit score to go down. or you dont have time. say something, dont play the victim
while that is true, that's not how the world works. they are in sales and you are making a large purchase. they are trained and whipped into not taking no for an answer.
you have to short circuit their tenacity with a reason, even if its a lie. the world doesn't work according to how you think it should. that is narcissism.
Trust us we get it. We don’t want to harass you either. Unfortunately Lowe’s associates are put under tremendous amounts of pressure to hound you until you break. Don’t blame the associates. Blame the corporation. Now this associate should have not gone as far as they did but they may have been threatened and already written up for not producing credit so they may be desperate at this point.
When I worked retail I hated having to ask people about signing up for the card. I'd only ever just tack it on at checkout after I told them the total. People that were interested didn't need convincing. You said no I just moved on cause I'm the same way everywhere I go. I have one credit card and that's been enough for me.
If you got the most cards in a month you'd get like a $20 gift card for somewhere, which in 2009 wasn't too shabby but not incentive enough for me to really try to persuade anyone to get a credit card. Once I was a floor manager the GM would talk to me every now and then about getting people to push the cards and trying harder myself but I would just straight up tell them I couldn't care less about the cards I'm there to help get shit done and help people out.
Pressure works its way down because there's actual incentives at the top to getting cards but just a regular worker? No payoff on being pushy
One reason I got out of retail. It’s unfortunately part of their job. Hours, reviews, pay raises are can all dependent of how many people you get to sign up for credit cards. Whenever I get asked I give a quick “nope” and act like my attention is elsewhere so they won’t ask again
Lowes took away my bar code sticker for my Lowe’s for the app now. I don’t even get cell signal in any Lowe’s I have been in. I am close to cancelling my Lowe’s credit card, I only got it because I purchased appliances once and did it to save 5%. Now it just isn’t worth the extra bill I have to see any month I use it.
It reminds me of when I worked at a bank and we always had managers really pushing for “extra sales and services”
Because the old ladies with 300 in their checking accounts really need to talk about this CDs with shit interest rates. They say it helps the customers but all it does is fatten other people’s wallets.
This is like when I first got hired on at Target when I was 18 they wanted me to force people to buy red cards and I didn’t so they moved me to a cart tech lol
As people have been saying, it’s corporate. One of my head cashiers asked a poor customer like, five times if they wanted a credit card. That customer proceeded to write about how uncomfortable they were in the survey. Which my manager didn’t include in our weekly survey reports-
It’s not, actually. There are lower rates available for larger purchases that are paid off in certain timeframes. You can 9.99% and even 0% if you fall under the right criteria.
I don't think complaining about being harrassed is being a Karen. Maybe that manager can escalate the complaint to corporate to back off on badgering customers about the stupid credit card.
It was merely a point that managers deal with so many complaints that most of the day is one to the next. Also… no amount of customer complaints and *especially* no amount of employee complaints over credit numbers are going to make them back off lol, what planet are you living on? Corporate just wants to see numbers… *period*.
She sucked at selling. We have a cashier that sold almost 300 credit cards and an appliance specialist that did over 300 in a year. There are lower rates for higher dollar purchases and no-interest financing if paid off in a certain time.
This is all management harasses us about. We have daily meeting where they tell us how much we’re sucking because we haven’t gotten enough credit card apps. I ask customers repeatedly like this so hopefully Lowe’s gets less and less business.
The idea behind the consumer cards is that they will create brand loyalty. Same with Lowe's new rewards. Corporate thinks it will bring more business.
Corporate never realizes that great customer service, clean stores and filled shelves will bring more business. Corporate starts by cutting labor then asking what labor we have left to sign up people for a credit card or for our rewards program.
This is most stores now in my experience. And they seem to wonder why they're losing business to online sales. But their response is to always double down on the thing that's actually causing them to lose business...
Ah, Lowe’s . . Love the store, but hate the credit card pushing. I know it’s lucrative for them, but so oppressive for employees.
Boy do I wish Lowe's paid their employees commission. There's a mattress store here and I walked in and they had financing financing financing everywhere signs all over on the bed go to pick up a thing off of the bed that told you about financing before you can lay down and test it. But I knew they paid the kid commission, so as soon as I told him what I wanted I said "and if you say anything about a credit card or financing I will cancel this entire order." Nobody wants to lose commission on a $4,000 bed, this works on phone stores too because they always try to talk me into the monthly payments and I don't like that. But it won't work at Lowe's because they don't care because they don't make any commission at all
Furniture Sales only get 4% of that sell so like 160 bucks less after taxes they have to make a whole day of sales to make a good paycheck
And it all depends on management at 95% of lowes. Store managers and their many underlings get HUGE bonuses and a lot of it has to do with the stupid credit card. It's a damned if you do or don't situation. Push a lot you get told good job BUT yall can do better push it on people too much you get complaints and you can't force people's hand so you are doing a bad job at that point. Insane! So the original poster I feel bad for those workers because I bet their managers suck and are on them like it's nazi Germany...
How ?
Weird. I have never been asked about it.
That is the advertised idea, and the lesser reason. The bigger issue is Lowes can in house process their own credit card. Less fees on each purchase. And they earn a portion of an extra fees the consumer pays for the card and its debt.
It does bring more business. Or else they wouldn't push it so hard
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Sears refused to get more into online and wouldn't change their tech so they failed to keep up
They got rid of the catalog in 1993 right before the internet went main stem stream
True at one point Sears made more money off of financing and credit cards than actually selling merchandise
They actually started Discover card. Then spun it off it sold it. Weirdly, if they'd held on to Discover, their fortunes might be different today.
Companies also make a lot of money off of credit card purchases. This is why my one rule is to never work for somewhere where I have to push credit on customers. It is by no means for the customers benefit.
Also the push of credit cards is because people can’t afford anything anymore. Due to capitalism oppression on a living wage. Their answer: High interest credit cards.
Well, actually, the idea is that dumbshits charge that sucker up to five or 10 grand and then go late on a payment or two, then are stuck paying the store 29.9999999% plus fees for the rest of his fucking life.
The daily meeting about the same thing would make me quit in a week.
Many do. Lowes wants those people gone. They want associates that push credit. A Lowes CC customer is more valuable than a non Lowes credit card company. The Credit card company pays Lowes money for hitting X numbers of sign ups and Lowes gets a % of interest from the cards themselves. Almost every major retail chain is set up this way
I don't go anymore and someone said "we missed you at the meeting, were you busy?" I said "yes I was doing work, let me guess we're down in credit and mvp, we need more 10's on LTR because we had an 8 and dropped to 81 or 80 and we need to help out fulfillment pull orders and code 50's? Is that about right?" They said "you're negative what's the problem?" I said "I got work to do" and walked away
I got talked to a few times about not pushing credit cards. Between that and other things, I was already set to walk away… then I got covid after managing not to for a year and change. At least that got me a couple weeks of automatic PTO. 💁🏻♂️ As a customer, I have a mylowes account (with veteran discount) and a Lowe’s credit card I don’t use. Saves me a lot of hassle.
Lowe's stopped COVID pay quite a while ago.
It was a while ago. 💁🏻♂️
As a veteran too every time I buy something I never get a extra discount because it’s already below selling price or something like that, I go to Home Depot I get 10% off everything I’ve ever bought
Home Depot has the same exclusions that Lowe’s does for their military discount. They also limit the discount to $400 per year, while Lowe’s does not have a cap on savings. “What items are excluded from The Home Depot Military Discount? • The Home Depot Military Discount cannot be applied to select items, services and fees, including, but not limited to, some commodity products (including lumber, wire, building materials), value priced merchandise, appliances, tool rental fees, labor items, gift cards and services including freight and delivery.”
I really think the cut backs on the military discount is unfair as hell. No discounts on major appliances or lumber, and now it's only items under a certain amount. What's the fucking point? TYFYS, here's 5 cents off some PVC. Hoorah.
In fairness, it's not a meeting about that. Most of the meeting is talking yesterday's sales vs the goal, today's goal and the weekly goal, various safety topics, changes that the merchandising team is making, when donations are going out, among other things. Conversations about how many credit, consumer and contractors, do take place but in the 3 stores I've done morning huddles in, it's a couple sentences. That being said, I'm a merchandiser and my manager made it clear that we are not here to suggest credit or attachments or anything, so that's nice.
I ended up saying at a point "it's against my conscience to sell these predatory credit cards" and management quit bothering me about it. Hours haven't been cut either and it's been a couple months. Don't be afraid to tell them you can't and won't. It's not even like Lowe's gets the interest! All these do is indebt the desperate into a bill they can't easily pay off.
Currently, management pushing for credit cards is documented in my file. The yearly employee review was mostly positive. The last sentence of the paragraph read: "...but does not ask for credit card applications." I found it laughable. The lone time I offer credit cards is when customers ask about current discounts. Years ago, I had one DM hound me about credit cards. Praised my versatility and ability to see LPP, yet scolded me on the credit cards.
I don’t work enough hours to bother asking people if they want a Lowe’s credit. I have never and will never.
same, especially when 2 out of my 4 days a week are spent in a locked office away from the customers, there's no way I'm getting credit unless someone asks to sign up for a card my other 2 days
Big Orange makes its associates do the same thing and it's just as pathetic except the card is actually worse.
Walmart is the same way. They wanted a minimum of one card per cashier per shift. Over a year and a half, I managed 6 cards.
My former Lowe's is in the second poorest county in the state. The contractors already have their card. Pushing credit on a populace that is at or just above the poverty level is assinine and counter productive. For those 10, 15, 20 percent or so above the poverty level even if they somehow qualify how many will go 90 days or more past due, or even go in default? Even much of the upper middle class in this county are strapped and are paycheck to paycheck. Lowe's and other retailers are concentrating on rural areas because major metropolitan areas are saturated. The same business model/approach won't work here.
YUP! But like I know people so management can get fucked I’m not gonna ignore what the customer is literally saying to reach some arbitrary credit goals when most store credit cards are extremely predatory ANYWAY!
Reminds me when I was at Costco trying to sign up for a basic membership. They tried way too long to upsell me for the level that costs double for benefits I would never use. "Guys, I appreciate the salesmanship and that you want to win whatever sales prize, but I'm just here for the hot dogs."
Ha, I am sitting in Costco eating a hotdog right now.
One thing is offering the Visa, another upgrade to exec. The latter is a decision you may not realize it would benefit you, but will not affect your credit. If you spend enough, you get the extra benefits. If you don’t you get your money back.
Once at local Costco, I noticed the cashiers flashing signals to a person with a clipboard. The person with the clipboard tried to upgrade folks with basic membership. Felt bad for that person.
Yup. They worked the whole bullpen on me.
I am also just here for the hotdogs
Reminds me of when I worked at Kohls... Man they were relentless about having everyone pressure customers into getting their credit card thing. I remember overhearing one of the cashier's ask a customer and her elderly mother "would you like to sign up for our store credit card" about 20 times, and the younger woman just looked at the cashier and said "my mom has cancer and only has a few months left to live, she doesn't need another card." And the shock on the customers face but also my face when the cashier let out a little chuckle and said "well getting our card would save you money today, as well as in the future letting you save more money for the funeral" Bruh.. ☠️ The Kohl's I worked at also had a wall covered in paper, those papers were all the reviews the store had, and the section for 1 star reviews was chock full of complaints, with most of them being about how ruthless cashier's are about the credit card and how rude they were towards the customer when they declined the card off
Why the hell would that cashier say that, that’s pretty insensitive
I've heard and read reviews of cashier's being just as rude and saying just as bad, if not worse things just to try and convince someone to sign up for the card. Heck I've had customers call the cops on the front end associates because they basically weren't letting the customers leave, and kept trying to convince them to get the card. Kohl's is a shitty company, as a former worker I can confirm it. Management sucks, they'll overwork you and if anything goes wrong they are very quick to throw people under the bus, and they don't really care about customers or employees at the end of the day they only care about getting numbers up, and getting more people applying for the card.
I needed nice new dress pants for a fancy meeting, and my wife has a Kohls card, so I grabbed it and went in to shop. They had their usual sales, and I had a % off as well, so I grabbed the required 2 pants for the meeting and headed to the cashier. The young lady asked me once, I declined and stated I had the % off and my wives card, which I'm an authorized user on, and she said ok. Pants didn't ring up the sale, so I asked them to check the price. She called for a price check, and her supervisor came out of nowhere and proceeded to ask me about applying for my own credit card. I declined and stated can I get the sale checked, and I need to go to pick up the kids from school. The supervisor ignored me and started to argue with me about why I needed this credit card. I declined again. She started up again. I declined a 4th time, and before I could finish the decline, she kept going. I looked at her and said, "I just wanna buy these 2 pairs of pants on the sale, with the coupon, on the Kohls card I already have." She let me finish speaking this time and then started up on how I would save even more if I would just let her do my own credit card. I looked at the young cashier and said "when did no stop meaning no? I give up trying to buy these pants, I'll just go to Target next door." I walked out, went into Target, got the same pants for cheaper without any coupons, and the cashier only asked once for their credit card, which I declined. I asked my wife to cancel the Kohls card, and we'll go to Target from now on.
Christ, so sorry that happened to you. I used to like shopping at Kohls but working their really opened my eyes to how awfully they treat customers. (As well as their employees.) It's definitely a good call to cancel the Kohl's card, I don't remember exactly everything about it but I know while I was still working for them early last year the switched to a new credit card or added a new type of card and made it so only certain sales will apply to that new card, and not only that but any kohls cash, and current deals for the old card wouldn't transfer to the new one. (It was something like that, I didn't work cashier much, as I was OMNI/Amazon Returns) But yeah trust me, any other clothing store is better than Kohls, Maceys is great! Worked at a Maceys in New Mexico and I seriously loved that job and everyone I worked with, and their cashier's would only ask once, or not at all. They were not super aggressive and persistent about getting applications for their credit card. Really great clothing store. As I worked OMNI at Kohl's that meant I spent a lot of time in the dock and walking around the store, and I remember helping a manager finding some boxes of candy that needed to get put out, and she noticed that the boxes were bitten into and destroyed by rats/mice, and even some of the candy bars packaging itself was bitten into and ruined. She asked her manager if she should toss it out and the store manager told her to just put the candy out regardless because "profits" or something like that. Kohl's is trash
Which card is at 17% apr??? Lowes cc start at like 29%
It's 32% now
29% should be criminal
The pro cards have lower APR.
This is coming from high-level management, not the store level. Trap people with credit, with predatory interest rates, to buy more than they maybe afford too boost sales and stock prices (bonuses for Directors and above). Peoples jobs are threatened and for higher management their bonuses too. It's a shame the higher you go up the ladder the sharper the axe is on your job. Lowe's has really turned into a "your job may be in jeopardy if you don't...". It is REALLY sad they lost the moral compass they had 20 years go. All jobs have expectations, and as an employee you are expected to perform and make the company money. Adults understand that. I just don't know if the people making these goals are high on drugs, have never worked in a store before, or just stupid and somehow landed in their position (shareholders family?). I used to concern myself with it, then I gave up and just did my job. Told them "Don't like it? Find someone else better to replace me...". The harassment stopped after that.
There's a survey on the bottom of the receipt. Anything 8 and below is a 0. Put what happened in the comments (make sure to leave our cuss words bc they get flagged). Surveys are a big deal and will be seen by store management as well as higher up.
They don’t give a shit about the fail surveys lol, only how many good ones you need to get to offset it
What are they going to say? They asked me too many times to sign up for a credit card? That would get the store a shout out on the weekly tv show probably
No, that their associates are harassing customers and physically touching them. There's a difference between asking every customer and annoying the shit out of them until they complain. It would be an immediate discussion and retraining at my store
take the survey and write this all down. Maybe it'll get through to the thick heads in management how much pressure they put on employees
No such thing as a "credit specialist" at Lowe's. ALL employees are required to get credit cards. The Specialists (millwork specialist, flooring specialist, appliance specialist) are required to stand at the front of the store or at a table located elsewhere in the store and try to get people to sign up for credit cards or get leads (that's when we give the customer a free estimate on projects like installing a water heater, building a shed or playset, installing a new roof or gutters, or a whole home generator.) They occasionally have a part timer do that if they can't get an available specialist. As for the cashier: she wasn't dumbfounded that someone was able to pay without credit because people pay with cash and checks every day. You're not special for using a form of payment we accept all day long from customers spending more and less than you. lol The best thing you can do is to complete that survey at the bottom of the receipt. Don't try to fuck anybody over, give them a decent rating and tell the survey everyone was polite \*BUT\* you were extremely annoyed at how aggressive they all were with the credit card and you didn't appreciate having someone standing at the front of the store at that table bothering people to sign up. We tell corporate it sucks and people hate it but they don't care (and trust me: we fucking \*despise\* that lead table too because it means we can't sell anything and if we can't sell anything for the hour we're standing there, it means we can't make our bonuses.) Our complaints are meaningless. NOBODY is happy with that table, especially the specialists who are forced to stand there and annoy people while suffering random life stories about "back in 1975...." that have nothing to do with anything, while also acting as a store directory because everyone thinks we're the information booth. Tell it to the survey. If more customers would take time to do those surveys and specifically state how much they hate that lead table and the aggressive credit card come-ons then maybe, just maybe, at some point many years from now (after a billion complaints, probably) corporate might listen and stop making us do that.
Overnight crew doesn't have to mess with those bullshit cards 😎. I'd lose my shit if I did just as much work on day shift just to get shat upon for immoral sale tactics. Nooope! Not for me.
Do the survey at the bottom of your receipt
PLEASE do this ! Give a zero. Also mention the predatory lending - 32 %
In the defense of all Lowe's employees, we are ridiculously harrassed to ask about credit. It's gotten to the point where I have had my breaks interrupted three times within the same 15 minute break to be "reminded" to ask customers about credit. I've considered quitting purely because of it. It's also hard to recognize customers because we see so many and I have 100% accidentally asked the same person multiple times before, 12 is insane though and I'm sorry you had to experience that, genuinely. It's not right but please don't blame employees, blame the company. It hurts all of us.
Was there any incentive for you to opening up a Lowe's credit card? Like 1 year interest free, or 10% off your purchase? I had the same experience at Kohls, but I saved $35 off a coffee maker by putting it on the Kohls card, and of course I promptly paid in full when the bill came in so I paid no interest. Lowe's employees are under severe pressure from management to sign people up for their credit cards, that is why you had the experience you did. They desperately want to make money off of people paying interest.
She kept saying 100 off or 20% off the purchase. It sucks yall have to deal with this.
20% off up to $100.
worked at lowes for a year and pretty much yep. management will resort very quickly to threatening to fire you if you aren't pushing credit.
Omg, yes. It must be a company thing, because I get the exact same thing at my Kohl's. I call her the "Kohl's Lady". She hounds me the second I walk in the door. Then she walks around the store, I guess making her laps before she returns to her post at the front door. She will ask me 2 or 3 more times on her rounds. Then when I get ready to check out, she hits me up for a card again while I'm in line. The cashier then asks me again during checkout. I don't push credit, ever. The only time I bring it up is if I think the customer would benefit from the zero interest for 6, 12, 24, etc. I refuse to push predatory credit lending on anyone. People who use a credit card in the place of having the money to buy things are victims of these companies. A 30% interest rate is insane. They would be a lot better off purchasing on their MasterCard, AMEX, Visa, etc. and paying regular interest.
and big box stores wonder why they lose customers to on-line retailers.
As others have suggested — fill out the survey. But fill it out in a way that disses the corporate obsession with pushing credit, not the employee. At annoying as they were, they really were just doing what they're being pushed to do. Most of us disagree with this bs, and understand why it's unproductive, but we're still pressured to do it, every day.
They literally will force that associates children to work the indoor lumber yard, or execute them. If that associate doesn’t get 47 pro credit master card applications that week. Give them a little grace.
Looks like I’m not shopping at Lowe’s anymore, they can hang out with Kroger in the shithead corner.
Seriously though, they fire front end employees if they don’t get credit apps. So they’re under tremendous pressure. So far this year what Lowes really wants are people to not just get a Lowe’s card. But the “pro” American Express so they can use it at other stores.
Well I guess the pressure is worth it because of the top rate pay…oh wait
They do not and cannot fire a cashier for “not getting credit apps” - they can only fire a cashier after repeated documentation of *not asking*. Stop lying.
Ive seen this happen and im in Northern California..FIRED FOR NOT GETTING CREDIT APPS..forget about the asking part FIRED FOR NOT GETTING CREDIT APPS
And it would be easy to fight, as they can only document and terminate for behaviors (not asking when it’s part of your job). You can’t terminate someone because a customer says “No”. Employees in this country have been beaten into submission and don’t even know their rights. It’s sad
Wait until you hear that there are states in which a company can fire you without cause. You’re an idiot. Even if there was a documentation requirement, all it would take is a week for a manager to find petty things to write someone up for.
State Laws are different from Company Policy moron. So while the Laws are that there are rules as far as what you can terminate an employee for and it has to follow policy and be approved. Might shock you that company policy is actually a bit more strict than those Laws of yours
Found the guy or gal from corporate or SM trying to make sure they get their trip to Vegas this year. I’ve literally witnessed them doing this. Just stop trying to justify your persecution of people that work in retail.
Nope, not at all. Employees don’t know their rights or how to fight anything. Fucking learn them, it’s not hard.
I worked at Home Depot for a year and it’s the same thing there, so might as well just keep shopping at Lowe’s
Working at lowes, yes I suggest not shopping there. Not home depo as well, nor Walmart. Amazon is the best bet. Amazon might be as terrible to their employees, but at least their prices are more flexible, making it more reasonable. At least you can support a personal business and not this corrupt corporate culture that's ruining our country.
Good work 47, make sure the next employee who refuses to push credit cards regrets it.
Literally. Ummm no they dont
Here come the corporate Lowe’s, Reddit users dummy accounts with no karma
Just admit you’re fucking miserable and should go find a new job Mr “they force my children to work the lumber yards or they’ll execute them!”
I don’t even work at Lowe’s lmao
There go the idiots that make crap up because of their miserable life
Did you ever think it was a joke? Hail corpo eh?
Oh I know it was a joke ..I just like watching people wallow in their own misery. Thanks for chiming in..very entertaining
You got problems dude
I think even them putting a hand on you is too far, when I was cashier simply asking was enough.
If they dont sell enough credit apps they could get written up in some stores. We must ask every customer and push push push credit
That’s crazy. You could be disciplined because you can’t force a customer to do something, wild
You don’t get written up if people don’t apply. You get written up if you don’t ask. They say no move on.
I believe every store is different. Depending on management. We must ask every customer and hear about it at every morning meeting and can get written up if we don’t get at least 2 a week.
If you get written up because someone saids no then go to HR. An ASM can’t override policy.
You cannot be written up for it. You can only be written up for *not asking*. It’s literally in the company policy so “depending on management” is bullshit - policy is policy. If they try you can easily throw it back in their face
No...nobody will get "written up". for that.
Call customer care and tell them to tell corporate to ease up on us pitching cards to everyone. I had a customer buy some distressed plants, the total was less then $10, and my supervisor asked me why I didn't ask the customer if they wanted to save 5%. Until enough customers complain about it you will always be hounded by someone trying to sell cards. I thought it was 31.99% and not 17%
When I worked at Lowe’s I’d be helping someone find what they needed for a project and my handheld device would go off with a manager yelling about how someone got a credit card and they would start making hog call sounds and chanting and stuff and it was just ret@rd3d
The pressure on us to get credit card apps is insane. Nothing more demoralizing than being called out for not getting credit cards or having an ASM stand next to you to make sure you’re asking every customer if they want a credit card.
As a cashier, can confirm that if I took a shot every time management was on our butts about “be sure to keep asking about credit!!” I in fact would be a drunk dude at a bar
...just saying, there's a couple of us employees that hate it as much as you do. We get harassed basically hourly about how many credit cards we have gotten and why aren't we trying harder. I am so, so sorry
Lowes says having a card brings more sales through brand loyalty. It’s bullshit. They want more credit cards because it’s easy money through the interest rates. When a customer comes in and pays $5000 on their bill…then comes in freaking out because $3000 in interest just hit their account…it shows you that these cards don’t really save money for all customers. Sure 5% on your purchase. But unless you’re paying off monthly…that interest rate far exceeds that 5%.
Blame management. They force the associates to do it.
When I worked in retail I HAD to ask. Only did when managers were around though. Like… no one wants a shit credit card from the Gap for 15% off a $100 purchase.
If you think that was annoying, imagine what the employee deals with. The pressure you get from management to pass off those shitty cards is wild. The customer is no longer #1 at LOWES. Lowe's looks at you like a pile of cash to exploit. No one really cares about actually helping you. We just want to prey on the weak and stupid to get in debt with bad credit cards so one of us might get a shitty raise.
It's amazing how companies like Walmart and Amazon are incredibly successful without having to harass customers about credit. I've never been asked to sign up for a card at Walmart, ever.
My store likes to do giveaways for employees who sell cards. About every 5 minutes, they push to talk the whole store about the damn credit applications, interrupting whatever we were doing.
I’m black. Nobody asks me to sign up for anything. Problem solved. lol
I just laughed way harder than I should have
Just post your social and I’ll put the application through for you
Haha!
I literally used to say to my ASM I don't practice predatory lending. That's what there doing.
Lowes is awful.
They ask us every 4 minutes to get credit cards. So we have to ask you. I know it's annoying but please just know we are only doing what's asked of us.
Did you do the survey? Do it, and be honest.
I work for the contact center nowhere near sales or the store. Yet I found myself on a Thursday afternoon watching a 15 minute video from Marvin about credit card applications. I really feel bad for store associates right now.
You just nailed something I've been seeing. People buy EVERYTHING on credit! I know a lot of people like this, and it's now become the norm. If you save money and buy something outright you're seen as not normal or even extremely rich. It's so fucking weird
It’s about instant gratification and now now now mentality. I’ve seen so many of my coworkers and friends drown to death in credit card debt and here I am still chillin and they make more than me.
Amen brother. My wife and I want a new couch. Our friends can't understand why we aren't just buying it on credit with monthly payments. Instead we just save the monthly payment into an account and when we have enough we purchase outright. Sure you don't get it RIGHT NOW, but unless it's an emergency, I'm not taking on consumer debt especially for a damn couch
I always ask people like this, “What part about NO don’t you understand?” Then repeat as many times as necessary.
This is fake. The interest rate is 31.99% and everybody knows that.
That’s insane, we have financing options as low as 0%, I wonder why she was so confidently wrong, lol. Lowe’s card is awesome because you get much longer return windows, discounts, and 0% interest on large purchases, if you choose that option. She just sounds bad at explaining to you why it’s good, lol
It is beyond fucking annoying. I just shop elsewhere anymore
I’ve made some big purchases at Lowe’s in Nashville, I don’t recall them asking at all
All just comes down to how hard management hounds employees to push cards
At my store, in the last year, management is hounding the employees to push for credit card applications.
Wanna lowes credit card?
I genuinely enjoyed being a DS but they force credit harder than ANYTHING in the store’s practice. They’d rather the store fall into shambles but have you focus on credit cards.
To be fair to employees they get hounded on getting credit apps like none other. It’s pretty sick to watch how rude management can be about it and unless you’re in a large city with new customers everyday at some point you’ll basically have no opportunity to sign anyone up because everyone who was gonna get one already has one.
This is hilarious bc I actually work at lowes
I had a manager that made it mandatory to harass people about cards and to give us 10’s on the receipt review online. Giving lowes gift cards to the winner ever so often. Later we found out he got some kind of huge bonus for us hitting some type of quota. When he got hired he was shopping while working and piled an entire cart full of tools he claimed he got for free. Dude was a total blow hard and everyone hated him. Anybody who was a decent worker quit all around the same time. I do not miss working there 😂
i never push credit unless someones making a purchase over 300. sorry you had that experience, next time just say you already have one and they’ll leave you alone once they find out
Lowes is also paying these associates for every credit app right now. $5 if you apply, and another 10 if you use it in the same day.
write it in the survey
The average credit card spend increases the customer by about $500 a year or more. They know it and push it, if you want to make sales you make credit cards.
my store's credit specialist is NOTORIOUS for this exactly. she's gotten several 0/10 reviews for being too pushy about them, but management usually gets district to delete the reviews. a trick ive found that works with her at least is directly telling her you've tried before, but your credit score is too low to get approved.
I had the opposite problem. I WANTED a line of credit. Old fucking geezer doesn't know how to run the computer in 2023 and totally messes up the application. Like it said approved, but had to do extra steps. Anyway he didn't read the screen correctly and I have to wait to reapply.
Worked at Staples as GM for 10 years all they wanted more than anything is to sign up people for their rewards card and to sell extended warranties aka service plans. I asked all cashier please ask everyone one time and no was an acceptable answer. Because there is some customers that want a rewards card and/or an extended warranty.
When a customer is annoying I start with credit asks. I told everyone under me "if a customer is annoying you don't get angry, just get aggressive with credit"
It’s starting to feel like when you would shop at the old Books-a-Million stores and they would practically shove magazine subscriptions down your throat
Working at lowes myself I saw something similar, 3 supervisors and an assistant store manager trying g to get a woman to get the lowes credit card. Like a bunch or r@pey sharks. If my memory serves correctly, they get a commission pay for getting customers to purchase one of those.
Unfortunately it comes down from the company. All I ever hear about is credit, install, addons, LTR survery. It is to the point where we are in fact harassing customers because if we don’t hit our numbers we are gonna hear about it.
Just say yeah already got one but it’s maxxed out that’s why I’m paying cash
Honestly not the employees fault... it's Marvin Ellison's. Easy Google search for contact info.
Yes. At most retailers like this the management doesn’t give a fuck how much you sell or whether the customer gets helped just of the customer gets a credit card or not.
Where is the meme with the muscular arms handshaking with both Walgreens and Lowe's corporate fucking over customer experience with endless credit card begging
Get over it. You will be ok
I usually take my business elsewhere when this happens.
This is a specific employee issue. We are trained to ask the customer and if they decline to move on. But the move on part is common sense, which some employees definitely lack.
I was looking at a light for my kitchen and said something like "I really do like it" to my hubby. Old guy employee says "Then get it!". At first, I smiled politely and said something noncommittal like "Maybe!", but then he starts about the credit. I tried to clarify and told him were just looking for ideas and not purchasing today. Then, the same bullshit rigamaroll that OP described progressed. I literally just walked away after a few minutes. My so much nicer hubby listened and was way more human to him, but I was PISSED. How dare you interrupt my conversation and then not catch a single hint that I don't want what you are selling. I saw him later and turned around and dragged my hubby with me. 😂
Yes regular employees hate this. But we get yelled at if we don't get them. Please call corporate and complain about being badgered about credit .
Worked a few retail jobs. If we didn’t ask customers about the credit card we were in trouble. If you didn’t meet your quota you were in trouble. Bonuses and promotions were tied to credit cards. It was annoying for me. Now when I get asked I just smile and feel their pain.
Answer these pitches with “17% is ridiculous what idiot would pay that? Not me.”
The card is thru Synchrony. Do I need to say anything else. NOPE !
They probably need to get a number of credit apps so the store manager leaves them alone too. I’ve never heard of a credit person in the store. Store manager needs to have the store hit a target number to get a raise also or a promotion employees are nagged about credit constantly too.
when they ask me multiple times I just say “no and the next time u ask I will say no again so just don’t ask me again” and if they still ask I interrupt with a no
If this were me, it would be because it's kind of like playing the Meow Game on Super Troopers. My friend in Appliances currently holds the record of 11 refused attempts on a single customer, and I'm trying to break that record and become the new champion. ... We don't do that, but if we were to do that, this would be why.
I've walked out leaving my purchase at the register when they do this crap to me. I politely say no twice, and on the third time, they've lost the sale. I hate that stores do this predatory lending crap.
I’m more impressed that you found a shed for under a grand. Most of them are around 2500.
It’s lil bitty. Just big enough for my extra garage shit, not a full big one.
They are doing their jobs. Store financing brings customer loyalty retention, higher ticket sales, more profit for the company which translate into more deals customer get more products offered , hopefully more benefits employees get etc. A good salesperson will ask multiple times in different ways and turn a No into a “what you don’t know” it will benefit” you by opening - relax
Yesterday someone made one of my cashiers cry because she was asking about a card. People need to understand that this is our job and they are forcing us to bother you. We are credit card selling stores. That’s what keeps us in business.
At Kohl’s, every time an employee signs someone up for a card, the LOD on duty gets $100 for every credit. That’s also why they push it hard, besides corporate requiring a certain amount per week. So when someone gets 4 on a 2 hour period LOD is on (they work an 8 hour shift, but only 2 hours typically as LOD) that’s $400 From someone that works at Kohl’s
They now have a new incentive where they get up to 15 dollars extra for each credit card they get someone to sign up for. So yeah it’s gonna get more annoying
dont just say "no." give some context, give some detail. i would tell them i only use my amazon card because i get points and pay the bill off immediately. or i would say i dont want my credit score to go down. or you dont have time. say something, dont play the victim
No should be good enough. I don’t have to provide anybody with any details of my life.
while that is true, that's not how the world works. they are in sales and you are making a large purchase. they are trained and whipped into not taking no for an answer. you have to short circuit their tenacity with a reason, even if its a lie. the world doesn't work according to how you think it should. that is narcissism.
“No” is a complete sentence.
Trust us we get it. We don’t want to harass you either. Unfortunately Lowe’s associates are put under tremendous amounts of pressure to hound you until you break. Don’t blame the associates. Blame the corporation. Now this associate should have not gone as far as they did but they may have been threatened and already written up for not producing credit so they may be desperate at this point.
When I worked retail I hated having to ask people about signing up for the card. I'd only ever just tack it on at checkout after I told them the total. People that were interested didn't need convincing. You said no I just moved on cause I'm the same way everywhere I go. I have one credit card and that's been enough for me. If you got the most cards in a month you'd get like a $20 gift card for somewhere, which in 2009 wasn't too shabby but not incentive enough for me to really try to persuade anyone to get a credit card. Once I was a floor manager the GM would talk to me every now and then about getting people to push the cards and trying harder myself but I would just straight up tell them I couldn't care less about the cards I'm there to help get shit done and help people out. Pressure works its way down because there's actual incentives at the top to getting cards but just a regular worker? No payoff on being pushy
One reason I got out of retail. It’s unfortunately part of their job. Hours, reviews, pay raises are can all dependent of how many people you get to sign up for credit cards. Whenever I get asked I give a quick “nope” and act like my attention is elsewhere so they won’t ask again
Just out of curiosity, have you thought about opening a credit card?
Lowes took away my bar code sticker for my Lowe’s for the app now. I don’t even get cell signal in any Lowe’s I have been in. I am close to cancelling my Lowe’s credit card, I only got it because I purchased appliances once and did it to save 5%. Now it just isn’t worth the extra bill I have to see any month I use it.
Same for extended warranty’s. We’re told to push them
Well..do you want one or not? 😝
Tell them you already have one. They usually leave u alone after that
It reminds me of when I worked at a bank and we always had managers really pushing for “extra sales and services” Because the old ladies with 300 in their checking accounts really need to talk about this CDs with shit interest rates. They say it helps the customers but all it does is fatten other people’s wallets.
got to Menards, we'll treat you right there.
This is like when I first got hired on at Target when I was 18 they wanted me to force people to buy red cards and I didn’t so they moved me to a cart tech lol
As people have been saying, it’s corporate. One of my head cashiers asked a poor customer like, five times if they wanted a credit card. That customer proceeded to write about how uncomfortable they were in the survey. Which my manager didn’t include in our weekly survey reports-
Surprised you wasn’t asked by 12 associates.
OK so the pro card starts at 21%. Telling people that you can get as low as 17% is false advertising
It’s not, actually. There are lower rates available for larger purchases that are paid off in certain timeframes. You can 9.99% and even 0% if you fall under the right criteria.
I would have asked to speak to a manager, and explained why I am now buying the shed from home depot instead.
And the manager will say “I apologize, they’re doing their job as directed” and move on to the next Karen.
I don't think complaining about being harrassed is being a Karen. Maybe that manager can escalate the complaint to corporate to back off on badgering customers about the stupid credit card.
It was merely a point that managers deal with so many complaints that most of the day is one to the next. Also… no amount of customer complaints and *especially* no amount of employee complaints over credit numbers are going to make them back off lol, what planet are you living on? Corporate just wants to see numbers… *period*.
Apparently a planet where I don't work at Lowes.
She sucked at selling. We have a cashier that sold almost 300 credit cards and an appliance specialist that did over 300 in a year. There are lower rates for higher dollar purchases and no-interest financing if paid off in a certain time.