Unlike Bank of America, Home Depot runs a HARD credit inquiry which showed up immediately on Credit Karma.
Can I get a Lowes card with bad credit?
The minimum credit score needed for a Lowe's card is 620 FICO. This is the same for the Lowe's Advantage Card and for Lowes Business Cards. Make sure your revolving utilization is below 30% when you apply or they may deny you.