topic Re: Walmart Credit Card in Credit Cards

Walmart Credit Card

aissa_sf — Wed, 20 Feb 2013 19:33:58 GMT

I got approved on store credit today. i think it's a store credti. It's saying $300 limit but I'm confuse if this

is only for online shopping.

I applied online a month after I purchase a snow boots for $15.00 online.

Re: Walmart Credit Card

dodgerslv — Wed, 20 Feb 2013 19:36:01 GMT

aissa_sf wrote:
I got approved on store credit today. i think it's a store credti. It's saying $300 limit but I'm confuse if this
is only for online shopping.

I applied online a month after I purchase a snow boots for $15.00 online.

if you applied at the store you will eventually get the card in the mail in about 7 business days. The same card is used for online shopping at walmart.com.

Re: Walmart Credit Card

09Lexie — Wed, 20 Feb 2013 19:43:21 GMT

dodgerslv wrote:
aissa_sf wrote:
I got approved on store credit today. i think it's a store credti. It's saying $300 limit but I'm confuse if this
is only for online shopping.

I applied online a month after I purchase a snow boots for $15.00 online.
if you applied at the store you will eventually get the card in the mail in about 7 business days. The same card is used for online shopping at walmart.com.

Now off to the garden. Give your scores time to grow, get your util down, inq's to fall off and let your bk age.

Walmart CL will grow and you will see an increase in your score.

Re: Walmart Credit Card

eviLution — Wed, 20 Feb 2013 19:50:24 GMT

You can use it online and in the store.

Re: Walmart Credit Card

aissa_sf — Wed, 20 Feb 2013 20:28:20 GMT

Thanks guys!!!

Re: Walmart Credit Card

LS2982 — Wed, 20 Feb 2013 22:32:37 GMT

CONGRATS!!!!

Re: Walmart Credit Card

Scupra — Thu, 21 Feb 2013 01:20:58 GMT

Can I ask what type of BK you had? I am very interested in a Walmart card and trying to gather info while I wait to apply :) Seems like 2yrs is a sweet spot for them.

Re: Walmart Credit Card

aissa_sf — Thu, 21 Feb 2013 02:02:52 GMT

i think my BK is just because of repossession and other miscellaneous stuff.. no mortgage though and no major credit cards. tr5ying to avoid school loan payment and it was hard time for me. But you should be able to get approve. Try to do it online. I think with your credit score you'll be okay.

Re: Walmart Credit Card

LS2982 — Thu, 21 Feb 2013 02:05:48 GMT

Scupra wrote:
Can I ask what type of BK you had? I am very interested in a Walmart card and trying to gather info while I wait to apply :) Seems like 2yrs is a sweet spot for them.

You may want to give it 6 more months to gain some more history on your current cards and raise your FICO some. GE is BK friendly but 620 is borderline for approval and a recent BK isn't helping.

Re: Walmart Credit Card

Pilotdude — Thu, 21 Feb 2013 02:12:38 GMT

+1 to the garden.

Let those hard inquiries drop off while you work out the baddies.

If you do and get both taken care of, by the time the inq fall away you should sitting pretty.

Remember keep your util down so when you exit the garden you will not need to really buy the balances down.

Re: Walmart Credit Card

aissa_sf — Thu, 21 Feb 2013 02:23:07 GMT

yes. Thank you! I'm a single mom of two so it was hard... When I left the kids Dad I want to start over so I just filed BK.. Babysitter was $1000 a month and car payments was $700.00 and rent and other sh**.. It was BS. I have to let go of everything.. But I'm okay now.. I finally got savings and something to have on hard times..

Re: Walmart Credit Card

Scupra — Thu, 21 Feb 2013 02:59:33 GMT

My plan was to wait a minimum of a year post bk7 to apply. I'm A ok with the three cards I have now. I rotate a balance less than 9% every month right now. Hopefully my score will climb quickly!!

Re: Walmart Credit Card

aissa_sf — Thu, 21 Feb 2013 23:40:13 GMT

I filed Chapter 7 on November 2011, then started my first credit card after 3 months. I didn't really apply that much I didn't know you can rebuild right away but everyone has different preferences plus you already have credits on hand so there's no rush.. I think you are doing a really good job..Your credit will climb up right away.

Scupra wrote:
My plan was to wait a minimum of a year post bk7 to apply. I'm A ok with the three cards I have now. I rotate a balance less than 9% every month right now. Hopefully my score will climb quickly!!