What is the LOWES charge on a card?
A charge containing LOWES or LOWE’S usually comes from Lowe’s Home Improvement. Lowe’s sells tools, appliances, building materials, plumbing supplies, lawn and garden products, home décor, and installation services through its stores and Lowes.com.
The exact statement text may include a store number, telephone number, location, or processing description.
How Lowe’s charges may appear
Reported statement variations include:
- LOWES
- LOWE’S
- LOWES.COM
- LOWE’S NC INTERNET
- LOWES #00907
- LOWES #00907 866-483-7521 NC
- LOWES followed by a physical store number or city
- LOWES CC LWS EPAY
- LOWES CC LOWTELPAY
Store numbers, telephone numbers, and location abbreviations can be shortened or reformatted by the card network. The location on the statement may represent an online processing center rather than the store where an order was picked up.
What does LOWES #00907 mean?
Cardholders have historically associated LOWES #00907 and similar North Carolina descriptors with Lowes.com orders. It may appear even when merchandise is shipped elsewhere or collected from a different Lowe’s location.
Because statement descriptors and processing arrangements can change, verify the charge using the order number, amount, purchase date, and official Lowe’s order history. Do not rely solely on the displayed store number.
Why are there multiple or pending Lowe’s charges?
Lowe’s explains that an online order can initially generate an authorization for the full purchase amount. This reserves the funds while the order is being prepared.
The final billing can depend on how the order is fulfilled:
- Shipped items may be charged when each item ships.
- Pickup items may remain pending until they are collected.
- Delivery orders may be charged when they are loaded or delivered.
- Orders shipped in multiple packages may produce separate final charges.
- Long-lead-time orders may be reauthorized before fulfillment.
The original pending authorization should normally be released. How long it remains visible depends partly on the financial institution.
Review the current Lowe’s billing policy for additional information.
How to verify a Lowe’s charge
- Check whether the transaction is pending or fully posted.
- Compare the amount with recent store receipts and online orders.
- Search your email for Lowe’s order confirmations, pickup notices, delivery updates, or cancellation messages.
- Sign in to your MyLowe’s account and review Orders & Purchases.
- Ask family members, employees, contractors, or other authorized cardholders about the purchase.
- Check whether a large order was divided into separate shipments or fulfillment methods.
- If the descriptor includes CC, EPAY, or TELPAY, review your Lowe’s credit-card payment history.
How to contact Lowe’s about the charge
Lowe’s currently lists 1-800-445-6937 for customer care and assistance with existing orders.
Use Lowe’s official Help and Customer Service page rather than relying on an unfamiliar telephone number contained in a text message or email.
Have the following information available:
- Exact statement descriptor
- Transaction date and amount
- Order or receipt number, if available
- Last four digits of the card
- Email address or telephone number used for the order
- Store number or location shown on the statement
Never place a complete card number, receipt number, home address, or other private information in a public comment.
How to cancel or correct a Lowe’s order
Open the order in your MyLowe’s account or use Lowe’s order-status system. If an online cancellation option is available, follow the prompts and save the confirmation.
Contact Lowe’s customer care or the fulfilling store if:
- The order cannot be canceled online
- The order contains the wrong items
- A pickup was made by the wrong person
- The billing amount does not match the order
- You see a final charge after a confirmed cancellation
Returns and refunds
Lowe’s return periods vary by product. Major appliances, outdoor power equipment, water heaters, electronics, plants, and other merchandise can have different requirements.
Review the current Lowe’s return and refund policy before returning an item. Bring the receipt, order information, and original payment method when possible.
A refund may take additional time to appear after Lowe’s processes it. Contact the card issuer if Lowe’s confirms a refund but it does not appear within the timeframe provided.
Is this a Lowe’s purchase or a credit-card payment?
A retail-purchase descriptor normally contains LOWES, LOWES.COM, a store number, or a store location. A payment to a Lowe’s credit account may contain terms such as CC, EPAY, TELPAY, PAYMENT, or AUTOPAY.
Visit the official Lowe’s Credit Center to select and manage the applicable consumer or business account.
How to dispute an unauthorized LOWES charge
Contact Lowe’s first when possible to determine whether an order exists and whether it can be canceled. If Lowe’s cannot identify the transaction—or if someone used your card without permission—notify the card issuer promptly.
For a credit-card billing error, the Consumer Financial Protection Bureau advises contacting the issuer and sending a written billing-error notice within 60 days after the statement containing the disputed charge was sent. See the CFPB’s credit-card dispute guidance.
Debit-card deadlines and liability rules differ, so report an unauthorized debit immediately.
Frequently asked questions
Is LOWES #00907 necessarily fraudulent?
No. It has historically appeared with legitimate online Lowe’s orders. However, unauthorized purchases can also use a real merchant descriptor, so verify the order and cardholder.
Why does the charge show North Carolina?
The location may relate to Lowe’s online-order processing rather than the store where the merchandise was collected or delivered.
Why did Lowe’s charge me twice?
One entry may be a temporary authorization while the other is a final charge. Orders containing multiple shipments can also be billed separately. Contact the financial institution if the original pending authorization does not disappear.
What is LOWES CC LOWTELPAY?
It may represent a telephone payment to a Lowe’s credit-card account rather than a merchandise purchase. Compare it with your credit-account payment history.
Can someone use my card for a Lowe’s pickup order?
An unauthorized person may attempt to use stolen payment information for an online or pickup order. Contact Lowe’s and the card issuer immediately if nobody with permission placed the order.
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Charge On My Card is an independent statement-descriptor reference and is not affiliated with Lowe’s. Statement descriptions, contact information, and merchant procedures can change.