Both have many Labor Day sales and 24 month 0% promos, I decided to try to CLI my accounts. Lowes is a $17K CL and after numberous attempts at a CLI they denied me anything. Not even a counter. Home Depot is a $5,700 CL and after a hard pull =( and about 5 minutes CLI approved. New HD CL $20,700. I think I'll spend my money there this weekend. Fico at 723.