11-05-2012 07:27 PM
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.
100% Ficos: EX 762, TU 767, EQ 762 Inquiries last 1 year/6 months: EX-0/0, TU- 0/0, EQ-1/0~ last credit card app 6/24/13- New car loan 3/8/2014
11-05-2012 07:28 PM
11-05-2012 07:33 PM
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.
11-05-2012 07:41 PM
11-05-2012 08:12 PM - edited 11-05-2012 08:18 PM
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!
11-05-2012 08:31 PM
11-06-2012 05:31 AM
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.
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