Excellent credit is not necessary, but this card will not be given to those with bad credit either. If you have bad credit and try to apply for a card or a line of credit of any kind that you are not qualified for this may harm your credit even further. Being that Lowe’s offers credit cards that can only be used at their stores, it is more likely that they will be more flexible as to what kinds of credit profiles they will accept. However, they have certain offers that have variable interest rates that will be based on your credit profile. So the lower your credit score is, the higher your interest rate will be. With rates as high as 24.99%, you will want to make sure to pay your bill on time to avoid high fees.