topic Re: Walmart? in Credit Cards

Walmart?

RockinRay — Sat, 24 Dec 2011 16:08:58 GMT

I cannot seem to get Walmart to approve me... :( I of course would like the free TU score.

Wondering if I have a better chance of approval if I app in the store???

Any comments?

Thanks,

Ray

Re: Walmart?

Creditaddict — Sat, 24 Dec 2011 16:12:16 GMT

no in store will not help.

What is your current TU Fico?

Do you have current or past negative accounts with GE?

Re: Walmart?

RockinRay — Sat, 24 Dec 2011 16:17:54 GMT

Thanks -

TU is about 750 but I have like 12 INQ's and I am sure that is what burns me... I plan not to app for anything in 2012, just wait for the INQ's to drop.

I currently have JCP at $2400 and PP Smart Connect at $3500 with GE. No negative accounts at all.

Ray

Re: Walmart?

CS800 — Sat, 24 Dec 2011 16:25:01 GMT

RockinRay wrote:
I cannot seem to get Walmart to approve me... :( I of course would like the free TU score.

Wondering if I have a better chance of approval if I app in the store???

Any comments?

Thanks,

Ray

Are you serious with a 750 FICO on TU, they denied you??? Ddi you recon? (i assume you did)

I got approved for the WM store card with a $1700 CL when i went on my app spree not long ago. TU was 697

Re: Walmart?

RyVision — Sat, 24 Dec 2011 16:23:45 GMT

There is only one reason I can imagine that it might help possibly in RockinRay's situation. IIRC, RR has some impressive TL's. It's odd walmart hasn't throw a card at him.

BUT... When I applied in store years ago. They did something they can't do online (other than asking me if I'd like to apply).

They asked for my drivers license........

I think they also asked if I had a major CC. I don't remember if I showed it to them or not however.

I wonder if there's a chance, being they can ask for an ID in store, that it bypasses some identity issue in their system. Just a thought.

Re: Walmart?

Creditaddict — Sat, 24 Dec 2011 16:26:00 GMT

RockinRay wrote:
Thanks -

TU is about 750 but I have like 12 INQ's and I am sure that is what burns me... I plan not to app for anything in 2012, just wait for the INQ's to drop.

I currently have JCP at $2400 and PP Smart Connect at $3500 with GE. No negative accounts at all.

Ray

WOW, time to get someone on the phone and start figuring this out... are you getting instant denials or the security questions? If you got the questions I would call and see about doing them again because they might think you failed them... you have to be very careful with them you might see one that makes you say no my mom lived at this address or banked with this bank but not me and click no, but the system wants you to say yes! I failed the Barclay ones because it was asking about a roommate I had 12 years ago, he had the same last name and was from the same state my parents grew up in and I knew the second I say his name they would want me to say yes to the questions but since he wasn't family I didn't know addresses or other family names or towns... called in and got a new set and was approved instantly.

Re: Walmart?

LS2982 — Sat, 24 Dec 2011 16:40:13 GMT

RockinRay wrote:
I cannot seem to get Walmart to approve me... :( I of course would like the free TU score.

Wondering if I have a better chance of approval if I app in the store???

Any comments?

Thanks,

Ray

I would go in-store Ray. They can verify Identity there and if you get declined you can recon right there they give you the number to call. Something's not right for you to get the card even with 12 INQ's.

Re: Walmart?

RockinRay — Sat, 24 Dec 2011 16:46:23 GMT

Yep - my feelings too!

I have good scores and quite a few cards with high CL's. Maybe now that I have been with GE for 6 months, they might approve on-line. I hate to waste another INQ for it though and yes, I always re-coned them in the past.

Wanted to end 2011 on a positive note! I just app'd and was approved for a Macy's card this week... Superstitious? I guess I am.

Now, if I could go in the store, give them my DL and let then key in or swipe a card with $25k open credit, they might let me in... Not sure.

Oh, what to do!

Ray

Re: Walmart?

LS2982 — Sat, 24 Dec 2011 16:54:38 GMT

RockinRay wrote:
Yep - my feelings too!

I have good scores and quite a few cards with high CL's. Maybe now that I have been with GE for 6 months, they might approve on-line. I hate to waste another INQ for it though and yes, I always re-coned them in the past.

Wanted to end 2011 on a positive note! I just app'd and was approved for a Macy's card this week... Superstitious? I guess I am.

Now, if I could go in the store, give them my DL and let then key in or swipe a card with $25k open credit, they might let me in... Not sure.

Oh, what to do!

Ray

They only use your CC and DL for ID verification only. They may be the difference. Try it!

Re: Walmart?

RyVision — Sat, 24 Dec 2011 16:56:59 GMT

RockinRay wrote:
Yep - my feelings too!

I have good scores and quite a few cards with high CL's. Maybe now that I have been with GE for 6 months, they might approve on-line. I hate to waste another INQ for it though and yes, I always re-coned them in the past.

Wanted to end 2011 on a positive note! I just app'd and was approved for a Macy's card this week... Superstitious? I guess I am.

Now, if I could go in the store, give them my DL and let then key in or swipe a card with $25k open credit, they might let me in... Not sure.

Oh, what to do!

Ray

I'd learn my lesson and go to the store......

Something to consider here. With the CL's on your TL's, you'd be a perfect candidate for ID theft where someone could app online and take advantage of a great TL brought on by high scores and limits, changing the mailing addy or to online statements only so RR would never see the new account (or accounts).Then if it wasn't in fact RR who opened the account, who'd be left holding the bag for allowing it to open, probably with a higher than average starting CL?

Sometimes you're just too good for approval because someone else might want to appear just as good. :smileywink:

Re: Walmart?

LS2982 — Sat, 24 Dec 2011 17:14:29 GMT

RyVision wrote:
RockinRay wrote:
Yep - my feelings too!

I have good scores and quite a few cards with high CL's. Maybe now that I have been with GE for 6 months, they might approve on-line. I hate to waste another INQ for it though and yes, I always re-coned them in the past.

Wanted to end 2011 on a positive note! I just app'd and was approved for a Macy's card this week... Superstitious? I guess I am.

Now, if I could go in the store, give them my DL and let then key in or swipe a card with $25k open credit, they might let me in... Not sure.

Oh, what to do!

Ray
I'd learn my lesson and go to the store......

Something to consider here. With the CL's on your TL's, you'd be a perfect candidate for ID theft where someone could app online and take advantage of a great TL brought on by high scores and limits, changing the mailing addy or to online statements only so RR would never see the new account (or accounts).Then if it wasn't in fact RR who opened the account, who'd be left holding the bag for allowing it to open, probably with a higher than average starting CL?

Sometimes you're just too good for approval because someone else might want to appear just as good. :smileywink:

Re: Walmart?

RockinRay — Sat, 24 Dec 2011 17:57:03 GMT

Thanks everyone.

I will run to the store today and give it a shot! If, I have time. Not sure yet.

Once done, I will report back... :)

Ray

Re: Walmart?

RockinRay — Wed, 28 Dec 2011 19:38:43 GMT

Well, I finally had a chance to stop by a Walmart so I could apply for the card in store.

A very nice lady helped me out. They swiped my DL, and she swiped my Amex BCE. I answered a couple of questions and I was APPROVED for the Walmart Discover card! Yes, finally in the door.

The receipt states a temporary credit line of $600.00. Do they do this until your card arrives??? Just wondering what my "real" line might be with them.

Finally and that's it! No more App's for 2012.

Ray

Re: Walmart?

CS800 — Wed, 28 Dec 2011 20:04:47 GMT

RockinRay wrote:
Well, I finally had a chance to stop by a Walmart so I could apply for the card in store.

A very nice lady helped me out. They swiped my DL, and she swiped my Amex BCE. I answered a couple of questions and I was APPROVED for the Walmart Discover card! Yes, finally in the door.

The receipt states a temporary credit line of $600.00. Do they do this until your card arrives??? Just wondering what my "real" line might be with them.

Finally and that's it! No more App's for 2012.

Ray

Nice Ray !!!

Did you ask for the WM Discover or the system gave it to you?

Once you get the card, call the credit analyst and ask for a CLI, they should be able to give it to you with no problem.

Re: Walmart?

CS800 — Wed, 28 Dec 2011 20:10:27 GMT

Also just to note that once you get your card and set up your account, there is an option for a CLI and it's a soft I believe just like when you call the credit analyst line.

Re: Walmart?

RockinRay — Wed, 28 Dec 2011 20:12:49 GMT

Thanks! The system gave it to me.

"Congratulations, You've Been Approved for the ACCOUNT TYPE 3 Wal-Mart Discover!"

My temporary line expires tomorrow at 13:05.

So, once I get the card, if the perminate line is $600 I will call them for sure. I plan to use the card at Sam's for booze and occasional shopping. Since it is GE backed, it will be interesting to see how high of a line I can build it to. I'll hit them in 4 months to see where it goes.

Frankly, they could have given me a regular card with a $200 limit and I would have been happy. I really wanted the TU score. So getting the Discover version is the icing on the cake!

Ray

Re: Walmart?

CS800 — Wed, 28 Dec 2011 20:23:54 GMT

RockinRay wrote:
Thanks! The system gave it to me.

"Congratulations, You've Been Approved for the ACCOUNT TYPE 3 Wal-Mart Discover!"

My temporary line expires tomorrow at 13:05.

So, once I get the card, if the perminate line is $600 I will call them for sure. I plan to use the card at Sam's for booze and occasional shopping. Since it is GE backed, it will be interesting to see how high of a line I can build it to. I'll hit them in 4 months to see where it goes.

Frankly, they could have given me a regular card with a $200 limit and I would have been happy. I really wanted the TU score. So getting the Discover version is the icing on the cake!

Ray

Same here. If your util is really low, you will see your TU08 way higher than your TU98

My TU08 was 39 points higher than my TU98

Re: Walmart?

RockinRay — Wed, 28 Dec 2011 20:31:48 GMT

Nice - I have not purchased any scores in the past 6 months. PSECU tells me I am at 779 on EX so I know I will take a hit for the three cards I got this month. But that is fine as I plan not to app now for the entire 2012 year. Really, I have too much open credit now.

I also app'd for a Costco Amex. I had one earlier this year but they allowed me to PC that to the BCE card. Now, I want to get the Costco card back as we will extend our membership with them for another year. I feel like they will approve me and most likely a small initial line. My BCE CL is $22,200 so I am not sure how much they will give me on the Costco card. I think that card is the best looking Amex out today! :)

I'll just use it at Costco and dining out. Now playing the waiting game. I should have applied at the store but that is fine, I can wait.

Ray

Re: Walmart?

JusdoNit — Wed, 28 Dec 2011 20:48:07 GMT

Way to go

Re: Walmart?

LS2982 — Wed, 28 Dec 2011 21:17:43 GMT

RockinRay wrote:
Thanks! The system gave it to me.

"Congratulations, You've Been Approved for the ACCOUNT TYPE 3 Wal-Mart Discover!"

My temporary line expires tomorrow at 13:05.

So, once I get the card, if the perminate line is $600 I will call them for sure. I plan to use the card at Sam's for booze and occasional shopping. Since it is GE backed, it will be interesting to see how high of a line I can build it to. I'll hit them in 4 months to see where it goes.

Frankly, they could have given me a regular card with a $200 limit and I would have been happy. I really wanted the TU score. So getting the Discover version is the icing on the cake!

Ray

Congrats Ray!!! The in-store app probably fixed their concerns!