This is an update to a previous review. In it, I complained that Lowe's has initiated a policy, at least here in Northeast Ohio, of no longer accepting the Swych phone app credits. I contacted Swych five days ago, and while it acknowledged the complaint, it has yet to get back with a recommended solution. I finally had to work it out with a local store manager to convert the credit to a gift card, but I will say that it was not easy. There was also no way in the app to generate a printed record of the credit -- I had to end run the app and do it with a screen shot in order to bolster my case with the store. It took two visits.
In short, a totally unsatisfactory experience. And since I see that the Lowe's Swych offer is still being promoted, I predict you will have a lot of complaints on your hands in coming weeks.