topic Re: Walmart Pre-Approved for $500 in Credit Cards

Walmart Pre-Approved for $500

KausticRage — Tue, 06 Nov 2012 00:18:23 GMT

When I logged into my Walmart account and click on the CC app it said I was Pre-Approved for $500. Althouhg its nice to see a pre-approval and I want to app but that limit is low. Has anyone ever had any success getting that limit up with Recon after being approved for the pre-approved limit? Sorry if its a repost but I couldnt find an answer with a search.

Re: Walmart Pre-Approved for $500

beb86 — Tue, 06 Nov 2012 00:20:59 GMT

thats a good starting limit and it will grow pretty much like clock work

Re: Walmart Pre-Approved for $500

KausticRage — Tue, 06 Nov 2012 00:23:13 GMT

Yeah, I know it could be much worse but I wanted to take advantage of the 0% financing on electronics but $500 is not enough for what I want.

Re: Walmart Pre-Approved for $500

jsucool76 — Tue, 06 Nov 2012 00:24:55 GMT

KausticRage wrote:
Yeah, I know it could be much worse but I wanted to take advantage of the 0% financing on electronics but $500 is not enough for what I want.

Call up when approved and ask for a higher limit and specifically mention the 0% for 18 months offer. There were a lot of CLIs going around here when that coupon first showed up.

Re: Walmart Pre-Approved for $500

somnipotent — Tue, 06 Nov 2012 00:25:23 GMT

It grows every four months. Starting at 500, you'll be at 2-3k by end of next year. plus you get a free TU08 score every month. worth it's weight on gold.

Re: Walmart Pre-Approved for $500

Cadillac-XTS — Tue, 06 Nov 2012 00:27:33 GMT

Congrats

Re: Walmart Pre-Approved for $500

LS2982 — Tue, 06 Nov 2012 00:40:23 GMT

KausticRage wrote:
When I logged into my Walmart account and click on the CC app it said I was Pre-Approved for $500. Althouhg its nice to see a pre-approval and I want to app but that limit is low. Has anyone ever had any success getting that limit up with Recon after being approved for the pre-approved limit? Sorry if its a repost but I couldnt find an answer with a search.

I wouldn't worry about the CL.

GE grows very quickly with good usage every 4 months ask for a CLI.

Re: Walmart Pre-Approved for $500

Epcot — Tue, 06 Nov 2012 00:46:49 GMT

Wow, I just tried this and also got the pre-approval link. It also mentions at the bottom:

"By applying for this account, I am asking GE Capital Retail Bank ("GECRB") to issue me a Walmart® Discover® Card (the "Card")"

Seems they pull TU. Must.. resist..

Re: Walmart Pre-Approved for $500

JPersat — Tue, 06 Nov 2012 01:27:37 GMT

Go for it. My husband & I both got one - my measly $300 limit (reconned from $150!), and he got $800. Our TU scores are only 5 pts apart. I'm hoping it really does grow like everyone says it will :) The savings in gas this month alone is worth it.

Re: Walmart Pre-Approved for $500

wallyworld123 — Tue, 06 Nov 2012 03:16:44 GMT

I absolutely love my walmart card. You should apply GE will definitely show u luv!

Re: Walmart Pre-Approved for $500

calihlove75 — Tue, 06 Nov 2012 03:27:28 GMT

KausticRage wrote:
When I logged into my Walmart account and click on the CC app it said I was Pre-Approved for $500. Althouhg its nice to see a pre-approval and I want to app but that limit is low. Has anyone ever had any success getting that limit up with Recon after being approved for the pre-approved limit? Sorry if its a repost but I couldnt find an answer with a search.

Yes, you can call underwriting. They only approved me for $2000 and I called in the first couple of weeks of having the card and requested $5000. I had not even used the card when they approved my request.

Re: Walmart Pre-Approved for $500

Repo-ed — Tue, 06 Nov 2012 03:28:04 GMT

mine had gone from 4 to 800 after the first 4 months, and i don't use it.

Re: Walmart Pre-Approved for $500

aplast — Tue, 06 Nov 2012 03:33:42 GMT

gotta love the 15 off a gallon! I really do like my walmart card :) having said that - it is one of my lowest limit cards, BUT it has grown and I did take advantage of a 0% offer for a 3d tv. The promo was 0% for 18 months. needless to say it was paid off within 3 months.. but its an easy card to use... I mean we all already shop there. you treat ge good and they treat you better.

Re: Walmart Pre-Approved for $500

Epcot — Tue, 06 Nov 2012 03:41:14 GMT

Is the discover any different from the store card in regards to CLI? Are they mostly automatic or must be requested?

Re: Walmart Pre-Approved for $500

modernsurrender — Tue, 06 Nov 2012 04:18:01 GMT

What are the odds of being denied the card if it shows you're "pre-approved"? I had no idea they had any sort of pre-approval system until I saw this post, so I went to check it out and it says I'm pre-approved for $700... A few quick questions:

-Will this go away if I don't accept it now? (I see the $20 back if you spend $100 same day as getting the card is why I ask. Not ready to commit to $100 purchase although I'm sure I could scrape something together if I had to lol)

-I assume it's still a hard pull, is that correct?

-I think the store card includes the FICO acces, is that correct?

I don't have any GE cards, and my old GE Walmart CO just fell off earlier this year lol I was planning to app for Walmart next March, but since I've read GE is good about growing, I see no harm in applying now unless their "pre-approvals" are inclined to be denials.

ETA: Actually I can think of one reason I shouldn't do it, AA from Barclays on my new card... lol Maybe I should hold off... Stupid stores tempting us around the holidays!

Re: Walmart Pre-Approved for $500

firstladyd — Tue, 06 Nov 2012 04:31:49 GMT

I bet if you go to the store and do app in electronics department you'll have a better chance of getting a higher limit. If they don't approve high enough you can call in the spot and recon successfully.

Re: Walmart Pre-Approved for $500

Croselx — Tue, 06 Nov 2012 13:31:27 GMT

I app'd recently and got a WM Discover with a $1K limit, I tried to raise that to $2K (was going to do a $500 purchase and take advantage of 0% for 18 months, didn't want to report 50%+ util on the card) and was denied. Was told to use the card and call back or go online to request a CLI at the 4th statement. If you plan to buy something it may be better to app at the store.