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Jared - Banana Republic - Walmart - Approved!! 3/3

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creditYum
Established Member

Jared - Banana Republic - Walmart - Approved!! 3/3

Well it has been quite a while since I have done anything with my credit, other than student loans and 3 CCs (one from '08, one from '10, another from spring '12). I just wanted to share my story for those that may find it useful in the future. I am quite happy with the results so far! This was all done with a score of EQ 643 and UTIL of ~90% on 3 accounts (I know, I know, absolutely terrible. But it was necessary I promise - will be paid down in a few months).  

 

I wanted to get my GF a graduation gift, and from what I had read on these forums Jared is a good account to have. So I went to the Jared store and applied for credit. They had to call me to verify employment, so I gave them a phone number for my employer. The credit rep was then grilling the lady at jared, apprently asking if I was actually in the store, my hair color, height, etc. Sure enough, she ended up giving me CL of 5000!! That was just under my highest CL! That lady at jared then says well you can buy whatever you'de like. Boy did that feel good!! Not to mention my UTIL dropped to the 60s Smiley Happy

 

I went into Banana Republic today and got approved for a CL of 600! Nothing crazy, but given my score I will take it! I just want to have it for the CLIs and I will eventually use it in the future.

 

After that, I applied for walmart online. I wanted it mainly for the TU Credit Score, but also the CLIs. Submitted my application and I saw the dreaded "You will be notified by mail in 7-10 days". My heart dropped. I wasn't about to let this happen. I did some searching for some numbers, and called a backdoor number. Spoke to one rep, and he forwarded me to an account specialist. He then had to ask me a few really random questions for identity purposes... and boom! I was approved!! Another 600 CL! Not too shabby imo. All I really wanted was the approval. Now time to sit back until its all paid down.

 

I have been crawling these forums for a while, but this is my first post. I felt that I had to share what happened, and I am super excited about it!! Hopefully it is somewhat useful to someone somewhere!

 

I already love these forums Smiley Happy

Message 1 of 8
7 REPLIES 7
09Lexie
Moderator Emerita

Re: Jared - Banana Republic - Walmart - Approved!! 3/3

Congrats on your approvals! I assume you'll be gardening for awhile.
Message 2 of 8
myjourney
Super Contributor

Re: Jared - Banana Republic - Walmart - Approved!! 3/3

Welcome to the forum and congrats 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 3 of 8
BearsAndTurtlesRtheBest
Senior Contributor

Re: Jared - Banana Republic - Walmart - Approved!! 3/3

Congrats! And welcome to the forums! The good thing about the Banana Republic and Wal-Mart is that they both will upgrade to a major card. BR=VISA, WM=Discover

Discover IT $2,600- First Premier MasterCard $1,000- Dillards Store Card $300- Fingerhut Advantage $200
Chapter 7 BK Dischagred on 07/11/16. Gardening Since 01/17/2019
Message 4 of 8
creditYum
Established Member

Re: Jared - Banana Republic - Walmart - Approved!! 3/3

Thanks!! Yes, I plan to be in the garden for at least six months - when my balances are paid down and then maybe, just maybe I will apply for another major card. Or I will just sit with CLIs for another 6-7 months. Only time will tell. 

 

Yes, I also am excited that these cards will hopefully be upgraded eventually. Makes me feel much better about the HP and new account!

Message 5 of 8
wallyworld123
Frequent Contributor

Re: Jared - Banana Republic - Walmart - Approved!! 3/3

Congrats on your approvals you can't go wrong shopping at jaredSmiley Happy

Message 6 of 8
colindidit
Established Contributor

Re: Jared - Banana Republic - Walmart - Approved!! 3/3

If you have Jared youre also approved at Kay apparently
Wallet: Barclay-5k, Citadel MC- 5k, Slate- 4k, Freedom- 3k, BOA- 3k, Citi- 2k, AMEXBCE- 2k and more...
Message 7 of 8
CreditHammer
New Member

Re: Jared - Banana Republic - Walmart - Approved!! 3/3

Congrats on the approvals!

Message 8 of 8
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