The Lowe’s card, issued by Syncrony Bank, is one of the sleaziest cards I have.

First, they have a fixed rate of 28.99 percent!

When I did a balance transfer from another card to pay off my balance, Syncrony demanded that my other card pay by paper check – the ONLY card that’s ever requested that. Why? It takes longer for them to receive the funds and they can keep charging me interest.

You can only use the card for purchases at Lowe’s.

Finally, if you set up autopay and pay your monthly minimum early, you STILL get charged your monthly minimum on the due date – be careful of this.