Rain is easing into mist this afternoon. Another envelope from Lowe’s, their “exclusive credit offer,” all bold letters and promises of savings. They want you to think it’s a golden ticket, but the shine wears off quickly. The fine print is the trick—high interest, too many strings, and not much protection for the folks who take the bait.

The in-laws learned the hard way. Their wallet was stolen, and before they knew it, about two thousand dollars in charges were racked up on that card. Reported it immediately, but Lowe’s credit has no purchase protection to stand behind them. No help, no shield, just the bill to pay. Feels less like a helping hand and more like a trapdoor.

So the flyer goes in the recycling, not in my wallet. A reminder that not every offer is meant for us. Sometimes the safest bargain is to walk away.

#lowes #credittrap