Credit Card Center Advertiser Disclosure

Established Contributor
Posts: 803
Registered: ‎05-16-2012
0 Kudos

Re: Walmart Pre-Approved for $500

KausticRage wrote:

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 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
Valued Contributor
Posts: 3,021
Registered: ‎02-09-2012
0 Kudos

Re: Walmart Pre-Approved for $500

mine had gone from 4 to 800 after the first 4 months, and i don't use it.
5/2012: 560 credit scores across the board
12/2014 750+
3/2017 780+
5/2017 800+
Regular Contributor
Posts: 175
Registered: ‎06-20-2012
0 Kudos

Re: Walmart Pre-Approved for $500

gotta love the 15 off a gallon! I really do like my walmart card Smiley Happy 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.

Valued Contributor
Posts: 2,802
Registered: ‎10-10-2012
0 Kudos

Re: Walmart Pre-Approved for $500

Is the discover any different from the store card in regards to CLI? Are they mostly automatic or must be requested?

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Established Contributor
Posts: 805
Registered: ‎02-01-2008
0 Kudos

Re: Walmart Pre-Approved for $500

[ Edited ]

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!

Start 2/2008: TU 495 || EX 539 || EQ 528
Now 5/2013: TU 716 || EX ??? || EQ 702

Slate: $5000 Simplicity: $5000 David's Bridal: $3500 SW Chase: $3000 FNBO: $3000 Barclay NFL: $2500 BofA: $2400 Discover IT: $1700 Walmart: $1500 Victoria's Secret: $1000 Cap1: $750 Amex Zync: NPSL
(2 derogs to go until I'm squeaky clean in 2014!)
Posts: 144
Registered: ‎05-23-2011
0 Kudos

Re: Walmart Pre-Approved for $500

I bet if you go to the store and do app in electronics department you'll have a better chance of getting a higher limit. If they don't approve high enough you can call in the spot and recon successfully.

Starting Score: 585
Current Score: TU 734 Walmart EQ 704 FICO EX 721
Goal Score: 750 Across the board

Take the FICO Fitness Challenge

Posts: 139
Registered: ‎07-31-2012
0 Kudos

Re: Walmart Pre-Approved for $500

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.

As of Feb: AAoA 1 year, 10 months
CK TU: 740; Wal-Mart TU FICO: 721
CS EX: 715
8 CCs, 15 total accounts.
Negs on report: 1 30 day late aged 3 years
5 inquiries

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.