topic Walmart apply in store or online in Credit Cards

Walmart apply in store or online

oracles — Sun, 15 Apr 2012 07:04:37 GMT

Hi Everyone

Do you think i will get a bigger credit limit if i apply in the store or it doesnt matter and i should just go ahead and apply online?

thanks

Re: Walmart apply in store or online

Creditaddict — Sun, 15 Apr 2012 07:09:38 GMT

I usually say no but Walmart gets a lot of feedback on apps not verifying out online and being declined and people going into store and then instant approval.

I applied online and had no issues

Dillards is also one, I think if you get approved Amex version in store, it starts at instant $1500 but then gets manual review, When I got it online I was given an instant line that didn't look like it got manual reviewed, started at $2200.

Otherwise I say doens't matter... but be ready for those mutliple choice questions and some don't make exact sense so people say no match but really it was.

Re: Walmart apply in store or online

Mike360 — Sun, 15 Apr 2012 07:09:56 GMT

Think it's best to always apply in store.

Re: Walmart apply in store or online

oracles — Sun, 15 Apr 2012 07:28:34 GMT

i understand for validation reasons its best to go inside the store, but does it make a difference when it comes to who will give a bigger credit limit?

Re: Walmart apply in store or online

Mike360 — Sun, 15 Apr 2012 07:43:42 GMT

Yes it does.

Re: Walmart apply in store or online

oracles — Sun, 15 Apr 2012 07:51:50 GMT

Mike360 wrote:
Yes it does.

so mike, are you saying i will get a bigger credit limit if i go apply in the store?

Re: Walmart apply in store or online

Creditaddict — Sun, 15 Apr 2012 07:59:15 GMT

oracles wrote:
Mike360 wrote:
Yes it does.

so mike, are you saying i will get a bigger credit limit if i go apply in the store?

I don't think so with Walmart.

Re: Walmart apply in store or online

oracles — Sun, 15 Apr 2012 16:30:19 GMT

So there is no difference with Walmart if I go into the store or apply online? Maybe I will wait until Monday to apply online if there are any complications and I can just speak to a rep.

Re: Walmart apply in store or online

RyVision — Sun, 15 Apr 2012 17:19:50 GMT

oracles wrote:
So there is no difference with Walmart if I go into the store or apply online? Maybe I will wait until Monday to apply online if there are any complications and I can just speak to a rep.

LOLOL :smileylol:

There is a difference. The difference is not with the opening\starting CL. The difference is being approved at all. In store, there is not chance of a problem with them being able to verify your identity. Online, that problem becomes a very real possibility and trying to resolve it with a rep over the phone would be a lot like performing your own dental work..... as far as a successful positive outcome is concerned that is.

It's also better to apply in store (for any card) being it somewhat proves you actually go IN there, the tend to like that lol. As for the starting CL, first one must worry about being approved at all.

Re: Walmart apply in store or online

oracles — Sun, 15 Apr 2012 17:35:27 GMT

I am pretty much not to concern with getting approved. I have 720-740 fico scores. I have a clean record and AAoA is 7 years. My only red mark on my credit report is high utilization at 45%. From what I gather, I will be able to be approved for a store card and maybe even the discover. I really just want the card for the fico score, but if I am going to apply, might as well see if I can get the highest limit possible. Therefore that is why I am asking is it better to apply in store or it doesn't matter concerning the limit.

Re: Walmart apply in store or online

Creditaddict — Sun, 15 Apr 2012 17:49:21 GMT

oracles wrote:
I am pretty much not to concern with getting approved. I have 720-740 fico scores. I have a clean record and AAoA is 7 years. My only red mark on my credit report is high utilization at 45%. From what I gather, I will be able to be approved for a store card and maybe even the discover. I really just want the card for the fico score, but if I am going to apply, might as well see if I can get the highest limit possible. Therefore that is why I am asking is it better to apply in store or it doesn't matter concerning the limit.

If it's close by, go in store!

I did it online and did not have issues this time but like I think I have said before GE will pull up a multiple choice of 4 questions to verify your identity... In my experience the first 2 usually didn't apply to me and the last 2 did, however it's a lot of car loan, mortgage loan, possible city or phone number from way back when!

If you have any doubt on cars, exact payments, etc. go in store... being in store I think would by-pass the security questions.

My friend applied online and failed the security, I got him a number and within 5 minutes he was on phone with manager willing to do another verification question thing and 1 question, you owned a white bronco something rather, basically it was like 10 years, and it was his fathers... but he lived at home with his family, he answered that it's not mine it's my fathers... FAIL! the system matched that suv to him for whatever reason!

Re: Walmart apply in store or online

RyVision — Sun, 15 Apr 2012 18:08:58 GMT

CA;

That sounds like what I went through with NFCU for membership and then the card. Only they included something like "In what age range would stated distant relative be today? 23 to 25, 26 to 27 or 27 to 28?" And other questions along that line, about 4 or them, and that was one of the easier ones. And there was a time limit to answer the CSR didn't know about. IIRC I I found out about the time limit because it ran out and I had to call back and do different ones all over again (at least they allowed that).

I was about ready to hang up and go the the nearest branch 4 hours or so away LOL.

Unless someone is willing to risk an INQ for nothing because of an ID verification problem, I would always say, just apply at the store\bank if possible.

Re: Walmart apply in store or online

Creditaddict — Sun, 15 Apr 2012 18:16:19 GMT

RyVision wrote:
CA;

That sounds like what I went through with NFCU for membership and then the card. Only they included something like "In what age range would stated distant relative be today? 23 to 25, 26 to 27 or 27 to 28?" And other questions along that line, about 4 or them, and that was one of the easier ones. And there was a time limit to answer the CSR didn't know about. IIRC I I found out about the time limit because it ran out and I had to call back and do different ones all over again (at least they allowed that).

I was about ready to hang up and go the the nearest branch 4 hours or so away LOL.

Unless someone is willing to risk an INQ for nothing because of an ID verification problem, I would always say, just apply at the store\bank if possible.

Ah the reminded me back in 2001!!! I lived in California (moved many times!) but anyway it was funny my roommate had the same last name as me and family was from same area as my family but we had no family ties! Fast forward 10 years and 2 questions on a credit app verification were directly related to him, I believe it was what was his birthday and what street he lived on. Clearly I failed and had to call in and she saw right away that was exactly what I got wrong!

It was interesting though that such info would be pulled up as somethign valid to me!

Re: Walmart apply in store or online

crosbyk1 — Sun, 15 Apr 2012 18:59:55 GMT

Yes the questions get tricky for me also! My grandfather,father and brother having the same name. Sometime the answer can got for any of them.

Re: Walmart apply in store or online

MetalguitarJames — Sun, 15 Apr 2012 23:34:11 GMT

I app'd in store when purchasing a laptop last night. Surprisingly I was approved. I had quite a few inquries out for purchasing a car recently and a couple from credit cards months ago and received an $800 limit. Good enough for me lol.

Re: Walmart apply in store or online

oracles — Tue, 17 Apr 2012 17:47:45 GMT

Does anyone else know if it makes a difference as regards to a higher credit limit when applying in the store vs applying online?

Re: Walmart apply in store or online

Creditaddict — Tue, 17 Apr 2012 18:01:29 GMT

oracles wrote:
Does anyone else know if it makes a difference as regards to a higher credit limit when applying in the store vs applying online?

If its close by go apply in store, it bypasses security questions online and it can only help!

Re: Walmart apply in store or online

tcbofade — Tue, 17 Apr 2012 18:04:42 GMT

Not that I'm aware of...the same bank (GE) is going to approve or decline you AND set your credit limit...

Besides, if you don't NEED the card (or a certain CL), then just apply online...get whatever CL you get, and garden...I've been told they're pretty generous with increases down the road...

Re: Walmart apply in store or online

score_building — Tue, 17 Apr 2012 18:59:34 GMT

oracles wrote:
Does anyone else know if it makes a difference as regards to a higher credit limit when applying in the store vs applying online?

Unless it is a hassle would apply in store, there is at least a chance of a higher initial CL IMO but either way both Walmart store card and the Discover routinely approve circa 400-2k to start FWIU.

As PP the surest way to get a nice CL is over time through CLI...I started around 2k- reached 5k less than a year later.

Re: Walmart apply in store or online

pakman92 — Tue, 17 Apr 2012 19:24:50 GMT

One thing that you can be sure of is that applying online will result in a pull from TU only. I don't know if applying in store may mean that all three CR will be pulled.