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New Contributor
ds3
Posts: 76
Registered: ‎10-02-2012
0

Re: WalMart Approval

Thanks all, I feel good about it. I applied online and was approved immediately. My wife applied right after me and was approved for $500. It's just nice to be able to get credit again after the mess of the past 5 years. Just got a $33k car loan through VW Credit a couple of weeks ago at a decent rate, so things are defintely getting better.

Valued Contributor
chnceit
Posts: 1,524
Registered: ‎08-17-2008
0

Re: WalMart Approval

Congrats! I want a wally too, I really want the free TU Fico, but need to garden

$100K in Credit
Last Credit Card App: 11/16/13
Established Contributor
VirtualCuriosity
Posts: 677
Registered: ‎09-10-2010
0

Re: WalMart Approval

Congrats.  I also just applied online literally 15 minutes ago.  Instant approval for 700 with 635ish scores.  Now to search the site here regarding the monthly TU that is supposed to be a bonus. 


TU98 700, TU08 700, EQ 733, EX 706 (As of 8/2014) - Personal Goal = 760+

Gardening since 8-1-14












Frequent Contributor
wreith
Posts: 456
Registered: ‎06-13-2012
0

Re: WalMart Approval


VirtualCuriosity wrote:

Congrats.  I also just applied online literally 15 minutes ago.  Instant approval for 700 with 635ish scores.  Now to search the site here regarding the monthly TU that is supposed to be a bonus. 


All you have to do to get the free TU score is sigh up for paperless billing, then you'll be able to view your TU score.

03/10/2014 Walmart TU 724
09/07/2013 MyFico EQ 684
03/10/2014 USAA FAKO EX 728, EQ 728, TU 728
Discover It $1700, USAA Cash Rewards AMEX $11K, USAA Rewards Platinum MC $12K, CareCredit $13.2K, Chase Freedom $1900, Walmart $4500, Lowes $9800, QVC $1200, HSN $2350, Macys Red Star Store $2900, Paypal smart connect $4022, VS Angelcard $1200, Amazon Store $2500, BCE $1K, Sam's Club Discover $8500, Home Depot $7200, FNBO AMEX $5300
Moderator
09Lexie
Posts: 25,442
Registered: ‎09-13-2012
0

Re: WalMart Approval

Established Contributor
migliogiorni
Posts: 657
Registered: ‎06-27-2012
0

Re: WalMart Approval

congrats nice CC to grow with use it and watch it grow.

 

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
Valued Contributor
Jutz
Posts: 1,216
Registered: ‎05-10-2012
0

Re: WalMart Approval


ds3 wrote:

Thanks all, I feel good about it. I applied online and was approved immediately. My wife applied right after me and was approved for $500. It's just nice to be able to get credit again after the mess of the past 5 years. Just got a $33k car loan through VW Credit a couple of weeks ago at a decent rate, so things are defintely getting better.


Want to share the details of the car loan? It seems we're in a similar spot, I was just approved for WM card at $600 and interested in a VW albeit much less expensive. What were your scores, APR, downpayment, etc

  • Current: EQ FICO 694, TU FICO 695, EX FICO 698 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $29,500
  • Inquiries (12 Months): EQ 6 TU 3 EX 6 | Most Recent: 1/21/2014
Chase Freedom $5000
DCU Visa $10000
Capital One QS $2000
AMEX BCE $1000
Lowe's CC $8500
WalMart CC $2400
BOA Platinum $600
AMEX Gold NPSL
New Contributor
ds3
Posts: 76
Registered: ‎10-02-2012
0

Re: WalMart Approval


Jutz wrote:

ds3 wrote:

Thanks all, I feel good about it. I applied online and was approved immediately. My wife applied right after me and was approved for $500. It's just nice to be able to get credit again after the mess of the past 5 years. Just got a $33k car loan through VW Credit a couple of weeks ago at a decent rate, so things are defintely getting better.


Want to share the details of the car loan? It seems we're in a similar spot, I was just approved for WM card at $600 and interested in a VW albeit much less expensive. What were your scores, APR, downpayment, etc


The first dealership I went to came back with EX at 617, and offered me 20.99 as the best they could do..um, no. Went to another dealer the next day, they get EX at 678 (auto-enhanced) and can get me 10.19...decide ok. The next day, my CU offers me 8.9...call the dealer and tell them to hold the deal, they get VW to go 7.9. Got $7200 for my trade, and bought a 2013 Passat TDI SEL. 7.9 is not fantastic, but I was prepared for 15%, so I'm happy with it, and I will refi it with my CU in a year.

Valued Contributor
Jutz
Posts: 1,216
Registered: ‎05-10-2012
0

Re: WalMart Approval

Very nice, appreciatethe info. Good to hear they pulled EX auto for VW credit too, assuming most VW dealers will pull the same. 

  • Current: EQ FICO 694, TU FICO 695, EX FICO 698 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $29,500
  • Inquiries (12 Months): EQ 6 TU 3 EX 6 | Most Recent: 1/21/2014
Chase Freedom $5000
DCU Visa $10000
Capital One QS $2000
AMEX BCE $1000
Lowe's CC $8500
WalMart CC $2400
BOA Platinum $600
AMEX Gold NPSL
Frequent Contributor
brother7
Posts: 377
Registered: ‎02-06-2009
0

Re: WalMart Approval

I LOVE my new Walmart Discover card, mainly because of the monthly free TU FICO 08 score!

 

I was approved for only $500 because they pull TU. TU is my worst CR because I still have a lien reporting. Instead of disputing, I'm waiting until Oct, 2013 when it will fall off by itself. There's no lien on my EQ report, which is why my EQ is 90 points higher than TU. This time next year, I should see a nice jump in my TU score and thanks to my Walmart card, I get to see it for free :heart:


11/02/2012 Peak - EQ 790 (ScoreWatch EQ FICO)
08/22/2014 Current - EQ 796 (Priceline TU FICO 08 Classic)
GOAL - 800! - App free since 09/07/2014

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