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Walmart Credit Approval

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Anonymous
Not applicable

Walmart Credit Approval

I've recently overdosed on 9 comenity bank card's with limit's between $250-500 plus a Zales Gem Account $ 1200 and Navy Federal Visa $6,000. My score's are TU 601 Exp 595 Eq 569 with utilization currently @ 30%. My question is it before to apply in the store or online for a card?
Message 1 of 17
16 REPLIES 16
Anonymous
Not applicable

Re: Walmart Credit Approval


@Anonymous wrote:
@I've recently overdosed on 9 comenity bank card's with limit's between $250-500 plus a Zales Gem Account $ 1200 and Navy Federal Visa $6,000. My score's are TU 601 Exp 595 Eq 569 with utilization currently @ 30%. My question is it before to apply in the store or online for a card?

Your best right now is to garden , not apply for any more cards and pay down the ones you have.

Message 2 of 17
dursty87
Established Contributor

Re: Walmart Credit Approval


@Anonymous wrote:

@Anonymous wrote:
@I've recently overdosed on 9 comenity bank card's with limit's between $250-500 plus a Zales Gem Account $ 1200 and Navy Federal Visa $6,000. My score's are TU 601 Exp 595 Eq 569 with utilization currently @ 30%. My question is it before to apply in the store or online for a card?

Your best right now is to garden , not apply for any more cards and pay down the ones you have.


+1.  Time to let your new accounts age.  Hope to see you in the garden!

Message 3 of 17
Anonymous
Not applicable

Re: Walmart Credit Approval

Exactly what above posters said! Garden the cards you have now and you should be in good shape in 6-12 months!
Message 4 of 17
Anonymous
Not applicable

Re: Walmart Credit Approval

Ok I'm going to garden until the summer so far all of my account's are paid as agreed
Message 5 of 17
TRC_WA
Senior Contributor

Re: Walmart Credit Approval

Holy toy limit store cards Batman!

FICO8 current as of : 4-17-24 EQ: 724 TU: 707 EX: 706
Hard INQs last 12 months: EQ: 5 | TU: 8 | EX: 9
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 27% --- AAoA: 5.5 years --- Income: $200k
Last app: 4-6-24
Message 6 of 17
Anonymous
Not applicable

Re: Walmart Credit Approval

 

 

How do you get 9 cards from a bank that barely has one card worth having... oh, the humanity....

 

 

Message 7 of 17
Anonymous
Not applicable

Re: Walmart Credit Approval


@Anonymous wrote:

 

 

How do you get 9 cards from a bank that barely has one card worth having... oh, the humanity....

 

 


Comenity?

 

The TR Rewards VISA is something i'd apply for if I was bored and they made the right offer.

Message 8 of 17
Anonymous
Not applicable

Re: Walmart Credit Approval


@Anonymous wrote:

@Anonymous wrote:

 

 

How do you get 9 cards from a bank that barely has one card worth having... oh, the humanity....

 

 


Comenity?

 

The TR Rewards VISA is something i'd apply for if I was bored and they made the right offer.


 

Not me.  But, not everybody has the same tastes, needs or standards.  I even heard of people who have 20 bucks under the mattress and call it their "emergency fund," so there are all sorts of people in this world, and this forum...

 

 

Message 9 of 17
TRC_WA
Senior Contributor

Re: Walmart Credit Approval

Comenity is good for Paypal Credit...

 

Synchrony is good for Care Credit...

 

Beyond that... they suck.

 

 

FICO8 current as of : 4-17-24 EQ: 724 TU: 707 EX: 706
Hard INQs last 12 months: EQ: 5 | TU: 8 | EX: 9
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 27% --- AAoA: 5.5 years --- Income: $200k
Last app: 4-6-24
Message 10 of 17
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