Lowe%27s prequalify - LOWE’S ADVANTAGE CREDIT CARD ACCOUNT AGREEMENT How Interest Is Calculated Your Interest Rate We use a daily rate to calculate the interest on the balance on your account each day. The daily rate for purchases is the APR times 1/365. The daily rate for purchases is .07943% (APR 28.99%). Interest will be imposed in amounts or at

 
3. Go directly to issuer sites. You can also go directly to an issuer’s site to see if you prequalify for a card. More credit card issuers have started offering prequalification tools, where, typically, the issuer will ask you to provide some basic personal information.. Companies

With the Lowe’s Lease to Own with Progressive Leasing program — available at participating Lowe’s locations — get what you need the day you need it, no credit required. From refrigerators and other appliances to lawn mowers and grills, Lowe’s Home Improvement is here to help you get these products and more with ease. When you’re prequalified for a credit card through a financial institution like us, it means we’ve screened whether you can become a cardholder. By providing us with a few pieces of information, we’re able to run a quick credit check (with no impact to your credit score) and see if you’re eligible to receive a specific card before ...Track, review and budget employee spending. Easily manage, view, and search for detailed transactions for all your employees using the Lowe’s PreLoad app. Set spending limits and get real-time spending alerts. Standard text message rates, fees and charges my apply. Then download all activity from your account and import it into your ...Jul 11, 2021 · I hit up pre-approval sites when I get bored in the garden lol. It gave me an amount with my pre-approval. FICO 8 Nov '22 EX 765 EQ 766 TU 753. TCL $160,000. Message 2 of 16. Get an Extra 10% Off Purchases During Labor Day When You Use Home Depot Promo Code. See code. Exp. Sep 14. Home / All shops /. Lowe's Promo Codes. 25% off appliances. 5% off with the Store Advantage Card. Free ground shipping on orders over $49. $600 off and free shipping with qualifying orders.Track, review and budget employee spending. Easily manage, view, and search for detailed transactions for all your employees using the Lowe’s PreLoad app. Set spending limits and get real-time spending alerts. Standard text message rates, fees and charges my apply. Then download all activity from your account and import it into your ... I did see some links referring to the shopping cart trick on Lowe’s but did not read them. Most things I did find referred to a 620 TU - 5283514Consumer Credit Card Offers. UP TO 24 MONTHS FINANCING* on storewide purchases made on your Home Depot Consumer Credit Card. Valid 8/31–9/6/2023. No Interest if Paid in Full Within Promotional Period: 12 Months* on purchases of $299–$998, 18 Months* on purchases of $999–$1,998 or 24 Months* on purchases of $1,999 or More. Lowe’s Business Credit Center. Manage your Lowe’s Commercial and Lowe’s Business Advantage account online from any device anytime, anywhere. Easily and securely access your invoices, statements, pay your bill and more. New account? Set up online access. to pay your bill and manage your account online. User ID. Recover your User ID. Reset ...Chip Lupo, Credit Card Writer. @CLoop • 10/17/22. The main Home Depot® Credit Card requirements are that an applicant must be at least 18 years old with a valid Social Security number or Individual Taxpayer Identification number. Applicants must also have a physical U.S. address, enough income to make monthly minimum payments, and at least ...See if You Prequalify Ready to Apply? Get started here. Apply Now † Limited time only. Subject to credit approval. To qualify for this offer, you must open and use a new Lowe’s Advantage Card to make a purchase 6/8/23 – 1/31/24. Limit one 20% off coupon per new credit account; offer is not transferable. Maximum discount is $100 with this offer. The card for your home. Accepted at over thousands of locations nationwide, the Synchrony HOME™ Credit Card brings together retailers, promotional financing, and many opportunities to transform your home. 6 months promotional financing on purchases of $299 up to $1,998.99. 12 months promotional financing on purchases of $1,999 or more.By clicking 'See Card Offers' button below, you (i) acknowledge that you are providing 'written instructions' and authorize Credit One Bank to obtain information from your personal credit profile from one or more credit reporting agencies in order to conduct a pre-qualification for credit and (ii) you authorize Credit One Bank to present you ...Lowe’s & Go. Buy online or through our mobile app and pick up at your local Lowe’s. Save time and money with free shipping on orders of $45 or more. Find what you’re looking for with the Lowe’s mobile app. For iOS and Android. Same-day delivery is now available for eligible in-stock items when you order by 2 p.m.*.Get 5% off your eligible purchase or order charged to your Lowe’s Advantage Card. Valid for purchases in US stores and on Lowes.com. 5% discount will be applied after all other applicable discounts. Customer must pay applicable sales tax. Offer cannot be used in conjunction with or on: (i) other credit-related promotional offers; (ii) any ... Find the best credit card by American Express for your needs. Choose between travel, cash back, rewards and more. Apply for a credit card online.Top 5 August 2023 pre-qualified credit cards. Top 5. Many credit card issuers pre-screen consumers and mail preapproved credit card offers to those who meet their criteria. However, instead of waiting for pre-approved credit card offers, you can go online and check out credit cards that offer prequalification. Find the best credit card by American Express for your needs. Choose between travel, cash back, rewards and more. Apply for a credit card online.Shop millions of used and new cars, get financing and see real rates, read reviews, find dealership, and more at Auto Navigator by Capital One. Visit the Home Depot® Credit Card pre-qualification page. Enter your name, email address, phone number, and the last 4 digits of your Social Security number. Click the “Continue’ button and see if you are pre-qualified. To respond to a pre-approved offer in the mail, visit the issuer’s pre-approval page and enter the invitation code ...Find the best credit card by American Express for your needs. Choose between travel, cash back, rewards and more. Apply for a credit card online.With the Lowe’s Lease to Own with Progressive Leasing program — available at participating Lowe’s locations — get what you need the day you need it, no credit required. From refrigerators and other appliances to lawn mowers and grills, Lowe’s Home Improvement is here to help you get these products and more with ease. Top 5 August 2023 pre-qualified credit cards. Top 5. Many credit card issuers pre-screen consumers and mail preapproved credit card offers to those who meet their criteria. However, instead of waiting for pre-approved credit card offers, you can go online and check out credit cards that offer prequalification. Jun 28, 2018 · I did see some links referring to the shopping cart trick on Lowe’s but did not read them. Most things I did find referred to a 620 TU - 5283514 Jan 21, 2012 · Jul 20, 2023. Started with a $1500 credit limit to buy a refrigerator. Once I paid it down to $480 they reduced my credit limit to $500 putting me at 95% usage. Paid it down to $280, they dropped my credit limit to $300. Continued making payments and today I found out thru credit Karma they canceled my acct. Never late. Apr 9, 2023 · Applying on the Lowe’s website lets you know if you prequalify for an Advantage Card. Lastly, a third type of Lowe’s card is the Lowe’s American Express Business Rewards Card. For this, you will need a credit score of 670 to be approved. Does Lowe’s Use a Soft Pull or a Hard Pull? When you’re prequalified for a credit card through a financial institution like us, it means we’ve screened whether you can become a cardholder. By providing us with a few pieces of information, we’re able to run a quick credit check (with no impact to your credit score) and see if you’re eligible to receive a specific card before ... SYNCHRONY PREFERRED MASTERCARD®. Spending Power. Enjoy the extraordinary reward of earning 2% cash back on every purchase*. Your cash back is unlimited and gets credited to your statement every month, automatically. Enjoy Mastercard World Benefits like ID theft protection, Mastercard Travel and Lifestyle Services, Priceless® Experiences, and ...Dec 13, 2021 · To do so follow these directions: Click “Product And Services” in the header. Click “Credit Cards” in the drop down menu. Click “All Credit Cards” in the side menu. Click “Check for Pre-Qualified Offers”. the credit card section of the chase website, this is the third link in the left sidebar (screenshot below). Here's how it works: 1) Shop Lowes.com and fill your cart. 2) At Checkout, select “Buy Now. Pay Later with Lowe’s Pay.” 3) If approved, select the payment schedule that works for you, then confirm your loan. 4) Make easy monthly payments. We’ll send you a monthly statement and email reminders. Shop Lowes.com Have questions? We have answers.Get started here. Apply Now. †84 fixed monthly payments at 9.99% APR. Subject to credit approval. Applies to purchase or order of $2,000 or more on your Lowe’s Advantage Card. Interest will be charged on the promo purchase from the purchase date at a reduced 9.99% APR, and fixed monthly payments are required until paid in full. I understand that Capital One's privacy policies apply to the data that I am submitting and I understand that this is not a credit card application. Seeing if you’re pre-approved won’t hurt your credit score. If you decide to apply for a card you’re pre-approved for, your credit score may be impacted when you submit the application.Apr 26, 2023 · You only need to have a credit score of 580 in order to qualify for an FHA loan with Rocket Mortgage ®. You may be able to get an FHA loan with a score as low as 500 points if you can bring a down payment of at least 10% to your closing meeting. Apr 26, 2022 · Open any searching browser and go to the official website of the Lowe’s store. See the apply for card option on the main page, or check if you prequalify for the card. If you don’t prequalify, then continue with the regular application process. Enter the last four digits of your social security number and phone number. May 16, 2023 · A pre-qualified buyer doesn’t carry the same weight as a pre-approved buyer, who has been more thoroughly investigated. Pre-qualifying can nonetheless be helpful when it comes time to make an offer. Find the best credit card by American Express for your needs. Choose between travel, cash back, rewards and more. Apply for a credit card online.Track, review and budget employee spending. Easily manage, view, and search for detailed transactions for all your employees using the Lowe’s PreLoad app. Set spending limits and get real-time spending alerts. Standard text message rates, fees and charges my apply. Then download all activity from your account and import it into your ... 3. Go directly to issuer sites. You can also go directly to an issuer’s site to see if you prequalify for a card. More credit card issuers have started offering prequalification tools, where, typically, the issuer will ask you to provide some basic personal information.Nov 28, 2022 · The AvantCard Credit Card offers a chance to build credit without a security deposit. You can determine your odds of approval through the card's pre-qualification process. The card offers a credit ... Nov 2, 2021 · Submitted the Lowe's pre-qualify link tonight and it came back "You're pre-qualified for the following offer." Listed a - 6434647 - 2 Re: Lowes Pre-qualify link. Not that I've ever heard of. Lowes is issued by Synch, and I've never seen a prequalifier for any of their cards...get your TU 08 score up over 660 before you apply with Lowes. 07/01/23 Fico 8: EX 785, EQ 787, TU 788. Fico 9: EX 763 05/22/23, EQ 775 06/03/23, TU No idea.Submitted the Lowe's pre-qualify link tonight and it came back "You're pre-qualified for the following offer." Listed a - 6434647 - 2Jun 28, 2018 · I've been looking for a pre-qualify link for lowes and can't find one, just the full application. Does anyone know if there is a - 5283514. Skip Navigation. Although it will be hard, you can potentially prequalify for a personal loan with a credit score of 600. A credit score of 300-629 is considered bad. 630-689 is fair. 690-719 is good. 720-850 is excellent. You can see that a 600 credit score falls into the bad credit category. Apply Now See if You Prequalify Learn More Lowe’s Business Credit and PreLoad Plus Mastercard ® Advantages that help make it easier for you and your business to get things done for less. All Lowe’s Business cardholders receive: 5% off ††† every day Discounted delivery 3 Convenient billing and invoicing options Exclusive cardholder events Learn MoreSubmitted the Lowe's pre-qualify link tonight and it came back "You're pre-qualified for the following offer." Listed a - 6434647 - 2By clicking 'See Card Offers' button below, you (i) acknowledge that you are providing 'written instructions' and authorize Credit One Bank to obtain information from your personal credit profile from one or more credit reporting agencies in order to conduct a pre-qualification for credit and (ii) you authorize Credit One Bank to present you ...Get started here. Apply Now. †84 fixed monthly payments at 9.99% APR. Subject to credit approval. Applies to purchase or order of $2,000 or more on your Lowe’s Advantage Card. Interest will be charged on the promo purchase from the purchase date at a reduced 9.99% APR, and fixed monthly payments are required until paid in full. Realize your dream home with help from the Synchrony HOME Credit Card, accepted at thousands of locations nationwide. 1. Apply Now. Subject to credit approval. Minimum monthly payments required. Promotional financing offers available at the time of purchase may vary by location. See store for details. I hit up pre-approval sites when I get bored in the garden lol. It gave me an amount with my pre-approval. FICO 8 Nov '22 EX 765 EQ 766 TU 753. TCL $160,000. Message 2 of 16.Shop millions of used and new cars, get financing and see real rates, read reviews, find dealership, and more at Auto Navigator by Capital One.See if You Prequalify Get a decision in seconds with no impact to your credit bureau score. See if You Prequalify Ready to Apply? Get started here. Apply Now Credit Financing Promotion Details: Offers are subject to credit approval. Special Financing and discount offers cannot be combined.Get 5% off your eligible purchase or order charged to your Lowe’s Advantage Card. Valid for purchases in US stores and on Lowes.com. 5% discount will be applied after all other applicable discounts. Customer must pay applicable sales tax. Offer cannot be used in conjunction with or on: (i) other credit-related promotional offers; (ii) any ... By clicking 'See Card Offers' button below, you (i) acknowledge that you are providing 'written instructions' and authorize Credit One Bank to obtain information from your personal credit profile from one or more credit reporting agencies in order to conduct a pre-qualification for credit and (ii) you authorize Credit One Bank to present you with other offers of credit and credit related products. Here's how it works: 1) Shop Lowes.com and fill your cart. 2) At Checkout, select “Buy Now. Pay Later with Lowe’s Pay.” 3) If approved, select the payment schedule that works for you, then confirm your loan. 4) Make easy monthly payments. We’ll send you a monthly statement and email reminders. Shop Lowes.com Have questions? We have answers.I understand that Capital One's privacy policies apply to the data that I am submitting and I understand that this is not a credit card application. Seeing if you’re pre-approved won’t hurt your credit score. If you decide to apply for a card you’re pre-approved for, your credit score may be impacted when you submit the application. The More You Use It, The More You Get Back. Live your life, your way, with the unsecured Fortiva ® Credit Card. Packed with great benefits, it’s designed to give you more flexibility—and purchasing power—along with up to a 3% Cash Back Reward!**. Good anywhere Mastercard ® is accepted, it’s the go-to card for any lifestyle.See if You Prequalify Get a decision in seconds with no impact to your credit bureau score. See if You Prequalify Ready to Apply? Get started here. Apply Now Everyday Advantages Make it easier to complete the home projects you've always dreamed about with these everyday offers from the Lowe's Advantage Card. Limited-Time Offers Apply Now See if You Prequalify Learn More Lowe’s Business Credit and PreLoad Plus Mastercard ® Advantages that help make it easier for you and your business to get things done for less. All Lowe’s Business cardholders receive: 5% off ††† every day Discounted delivery 3 Convenient billing and invoicing options Exclusive cardholder events Learn More Top 5 August 2023 pre-qualified credit cards. Top 5. Many credit card issuers pre-screen consumers and mail preapproved credit card offers to those who meet their criteria. However, instead of waiting for pre-approved credit card offers, you can go online and check out credit cards that offer prequalification.Consumer Credit Card Offers. UP TO 24 MONTHS FINANCING* on storewide purchases made on your Home Depot Consumer Credit Card. Valid 8/31–9/6/2023. No Interest if Paid in Full Within Promotional Period: 12 Months* on purchases of $299–$998, 18 Months* on purchases of $999–$1,998 or 24 Months* on purchases of $1,999 or More. Lowe’s offers competitive benefits for your health, well-being and financial protection. Coverage for You Coverage for Your Family You may enroll eligible family members for: Group medical, dental, vision and dependent life insurance Eligible family members include: • Your legal spouse or domestic partnerNov 28, 2022 · The AvantCard Credit Card offers a chance to build credit without a security deposit. You can determine your odds of approval through the card's pre-qualification process. The card offers a credit ... Submitted the Lowe's pre-qualify link tonight and it came back "You're pre-qualified for the following offer." Listed a - 6434647 - 2Track, review and budget employee spending. Easily manage, view, and search for detailed transactions for all your employees using the Lowe’s PreLoad app. Set spending limits and get real-time spending alerts. Standard text message rates, fees and charges my apply. Then download all activity from your account and import it into your ...Offer applies to installed flooring in-store purchase or order of $299 or more made on your Lowe’s Advantage Card. Offer valid 2/1/23 through 1/31/24. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 12 months. Minimum monthly payments required.Top 5 August 2023 pre-qualified credit cards. Top 5. Many credit card issuers pre-screen consumers and mail preapproved credit card offers to those who meet their criteria. However, instead of waiting for pre-approved credit card offers, you can go online and check out credit cards that offer prequalification. Sep 1, 2023 · The simple answer is “no,” but the full picture gets a bit more complicated. Prequalification is typically considered a soft inquiry, and it won’t hurt your credit all on its own. In fact, it can be a helpful tool for lowering your risk of being rejected for a new credit card. But prequalification is not a guarantee of approval, and if ... I understand that Capital One's privacy policies apply to the data that I am submitting and I understand that this is not a credit card application. Seeing if you’re pre-approved won’t hurt your credit score. If you decide to apply for a card you’re pre-approved for, your credit score may be impacted when you submit the application.Lowe's Store Card Review. 3.0 / 5. The Lowe's Credit Card is one of the best store credit cards on the market right now. It offers 5% back on all purchases and has a $0 annual fee. Applicants only need a minimum of fair credit to get approved for the Lowe's Credit Card, too.Here are two steps to take after you pre-qualify for a card: Compare credit cards. Pre-qualification is a great way to shop around for the best credit card offers without hurting your credit score.By checking this box, you agree that you have read and consent to "Electronic Communications" in the consent form activated by clicking the plus sign above which provides information about your pre-approval, and if approved, your Discover card account disclosures electronically rather than by paper. It also gives you the right to receive the ... I hit up pre-approval sites when I get bored in the garden lol. It gave me an amount with my pre-approval. FICO 8 Nov '22 EX 765 EQ 766 TU 753. TCL $160,000. Message 2 of 16.Nov 28, 2022 · The AvantCard Credit Card offers a chance to build credit without a security deposit. You can determine your odds of approval through the card's pre-qualification process. The card offers a credit ... Aug 4, 2023 · Synchrony Bank allows potential applicants to check for pre-approval online for certain credit cards by visiting the affiliated brand’s website and filling out the required info before applying. Keep in mind that not all Synchrony Bank cards offer this feature. Synchrony Bank also pre-screens customers by using data compiled from three major ... SYNCHRONY PREFERRED MASTERCARD®. Spending Power. Enjoy the extraordinary reward of earning 2% cash back on every purchase*. Your cash back is unlimited and gets credited to your statement every month, automatically. Enjoy Mastercard World Benefits like ID theft protection, Mastercard Travel and Lifestyle Services, Priceless® Experiences, and ... Make Your Projects Happen With Help From Lowe’s. With the Lowe’s Lease to Own with Progressive Leasing program — available at participating Lowe’s locations — get what you need the day you need it, no credit required. From refrigerators and other appliances to lawn mowers and grills, Lowe’s Home Improvement is here to help you get ...Lowe’s offers competitive benefits for your health, well-being and financial protection. Coverage for You Coverage for Your Family You may enroll eligible family members for: Group medical, dental, vision, critical illness, dependent life insurance and personal accident insurance coverage Eligible family members include:Apply today for your Home Depot Credit Card. Discover the benefits a Citi Home Depot Credit Card has to offer.Jul 11, 2021 · I hit up pre-approval sites when I get bored in the garden lol. It gave me an amount with my pre-approval. FICO 8 Nov '22 EX 765 EQ 766 TU 753. TCL $160,000. Message 2 of 16. Dec 13, 2021 · To do so follow these directions: Click “Product And Services” in the header. Click “Credit Cards” in the drop down menu. Click “All Credit Cards” in the side menu. Click “Check for Pre-Qualified Offers”. the credit card section of the chase website, this is the third link in the left sidebar (screenshot below). Talk to a lender. The first step to get pre-qualified for a mortgage is to speak with a lender who offers great rates and customer service. Lenders on Zillow are licensed and have a history of positive customer ratings. Click the get started button to speak with a lender near you and begin the pre-qualification process. 2.Enter Your Email. Before we get to your credit application, let's see if you have a Lowes.com account. If not, we'll help you create one to access MVPs Pro Rewards. *Email Address. April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812. Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831. March 2021 $33k on $312k EQ 796 TU 798 EX 801. May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777. April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765. Message 4 of 13. 1 Kudo.

To qualify for this offer, you must open and use a new Lowe’s Advantage Card to make a purchase 6/8/23 – 1/31/24. Limit one 20% off coupon per new credit account; offer is not transferable. Maximum discount is $100 with this offer. Accounts opened in store: One-time 20% off discount is not automatic; you must ask cashier to apply discount .... 5 letter words ending in inc

lowe%27s prequalify

Here are two steps to take after you pre-qualify for a card: Compare credit cards. Pre-qualification is a great way to shop around for the best credit card offers without hurting your credit score.Lowe’s offers competitive benefits for your health, well-being and financial protection. Coverage for You Coverage for Your Family You may enroll eligible family members for: Group medical, dental, vision, critical illness, dependent life insurance and personal accident insurance coverage Eligible family members include: See if You Prequalify Ready to Apply? Get started here. Apply Now † Limited time only. Subject to credit approval. To qualify for this offer, you must open and use a new Lowe’s Advantage Card to make a purchase 6/8/23 – 1/31/24. Limit one 20% off coupon per new credit account; offer is not transferable. Maximum discount is $100 with this offer. 3. Go directly to issuer sites. You can also go directly to an issuer’s site to see if you prequalify for a card. More credit card issuers have started offering prequalification tools, where, typically, the issuer will ask you to provide some basic personal information.Jul 20, 2023. Started with a $1500 credit limit to buy a refrigerator. Once I paid it down to $480 they reduced my credit limit to $500 putting me at 95% usage. Paid it down to $280, they dropped my credit limit to $300. Continued making payments and today I found out thru credit Karma they canceled my acct. Never late.Shop millions of used and new cars, get financing and see real rates, read reviews, find dealership, and more at Auto Navigator by Capital One.By clicking 'See Card Offers' button below, you (i) acknowledge that you are providing 'written instructions' and authorize Credit One Bank to obtain information from your personal credit profile from one or more credit reporting agencies in order to conduct a pre-qualification for credit and (ii) you authorize Credit One Bank to present you with other offers of credit and credit related products. By checking this box, you agree that you have read and consent to "Electronic Communications" in the consent form activated by clicking the plus sign above which provides information about your pre-approval, and if approved, your Discover card account disclosures electronically rather than by paper. It also gives you the right to receive the ... The card for your home. Accepted at over thousands of locations nationwide, the Synchrony HOME™ Credit Card brings together retailers, promotional financing, and many opportunities to transform your home. 6 months promotional financing on purchases of $299 up to $1,998.99. 12 months promotional financing on purchases of $1,999 or more.A variable APR of 20.49% - 29.24% on balance transfers and purchases after the introductory period ends. Lower your interest rate by 2% each year. Automatically be considered for an APR reduction when you pay on time, and spend at least $1000 on your card by your next account anniversary. Raise your credit limit.By clicking 'See Card Offers' button below, you (i) acknowledge that you are providing 'written instructions' and authorize Credit One Bank to obtain information from your personal credit profile from one or more credit reporting agencies in order to conduct a pre-qualification for credit and (ii) you authorize Credit One Bank to present you ...Offer applies to purchase or order of $299-$998.99 for 12 month offer; $999-$1,998.99 for 18 month offer; or $1,999 or more for 24 month offer made 6/22/23 through 7/5/23 on your Lowe’s Advantage Card. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 12, 18 or 24 months.I have never read about this happening for Lowe's. - 5283514. Skip Navigation. How It Works; Pricing; Education; Community; Support; ... Lowes Pre-qualify link; Options.Easily check if you are prequalified for a credit card offer from Wells Fargo with no impact to your credit score. Use the credit card finder and apply online.By checking this box, you agree that you have read and consent to "Electronic Communications" in the consent form activated by clicking the plus sign above which provides information about your pre-approval, and if approved, your Discover card account disclosures electronically rather than by paper. It also gives you the right to receive the ...Nov 28, 2022 · The AvantCard Credit Card offers a chance to build credit without a security deposit. You can determine your odds of approval through the card's pre-qualification process. The card offers a credit ... A pre-qualified buyer doesn’t carry the same weight as a pre-approved buyer, who has been more thoroughly investigated. Pre-qualifying can nonetheless be helpful when it comes time to make an offer..

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