Credit Card Center Advertiser Disclosure

Reply
Frequent Contributor
Posts: 357
Registered: ‎08-14-2012
0 Kudos

Am I eligible for a Walmart Card?

I'm at 57% utilization currently, that's going down. Looking at tax return time to pay it off completely. Never had any lates, always paid on time since I got these cards. As you could see in my sig, I'm recent to credit. I applied for the Walmart card back in September of last year, and I got denied. Do you think I have a shot?

Rebuilding...been out of the game for a minute. Now, after suffering I'm back with greater wisdom. Scores: Currently @ around 6 teens to 20's, across all three EQ,TU, EX
Contributor
Posts: 253
Registered: ‎08-06-2012
0 Kudos

Re: Am I eligible for a Walmart Card?

I would say wait for both of your accts to age to 6 months before you app again. 

Also work on that UTIL. 


Walmart Discover ($5000) - Amazon ($5500) - Cap1 Cash Rewards ($2000) - Meijer ($5000) - Discover More ($1800) - Car Care One ($2100) - Amex Delta Skymiles ($2000) - Citi Thank You Preferred ($2000) - Chase Freedom ($500) - Sam's Club, GE ($1237?)
Frequent Contributor
Posts: 357
Registered: ‎08-14-2012
0 Kudos

Re: Am I eligible for a Walmart Card?

Sigh, fine. i'll wait another month. I want another card to lower the UTIL, lol. But yeah, I'm being consistent.

Rebuilding...been out of the game for a minute. Now, after suffering I'm back with greater wisdom. Scores: Currently @ around 6 teens to 20's, across all three EQ,TU, EX
Contributor
Posts: 75
Registered: ‎11-12-2012
0 Kudos

Re: Am I eligible for a Walmart Card?

Best way to lower util- pif
current cards
WM store
Cap1 platinum
WF secured
Amazon Chase Smiley Happy
Gardening since 12/20/2012
Frequent Contributor
Posts: 373
Registered: ‎03-25-2011
0 Kudos

Re: Am I eligible for a Walmart Card?

+1   let your new accounts age for at least 6 mos

 

TU-721 (MortgagePull) EQ- 697(MortgagePull ) EXP 693(MortgagePull) FWEB 24,2015
My Wallet : Dicover More 35,500 CL -Amex Zync NPSL -WellsFargoRewards4800 - -CapOne 3000CL -GEMBWalMart 5000CL - Zales 4000CL-Kays 2900--Macys 5000CL /SSFCU 5000CL / CitiBank Diamond Pref 15000CL - CHASE Freedom 13500CL -Lowes 10,000 CL - BBuyStoreCard 10,000CL Sears Store Card (Citi) 3000 - Firestone CFNB 1400 Toyota Financial $35,000 Auto -2200DiscountTire(GECRB) Citi TY Preferred 8100CL - Chase Slate$4000-BofA15000-ToyotaRewardsVisa$10,700 -BofA$8500 AMEX BCE 9,500
Established Contributor
Posts: 2,112
Registered: ‎09-25-2011
0 Kudos

Re: Am I eligible for a Walmart Card?


nuggets321 wrote:

+1   let your new accounts age for at least 6 mos

 


Or get a well aged authorized user account =x


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Contributor
Posts: 94
Registered: ‎01-02-2013
0 Kudos

Re: Am I eligible for a Walmart Card?

I have a mid 600s Fico, 2 paid collections and at about 30% Util and was approved today for a $900 limit.
........???................659 (FICO)................659 (TU08) ........
Valued Contributor
Posts: 1,086
Registered: ‎02-06-2013
0 Kudos

Re: Am I eligible for a Walmart Card?

     I have really bad credit. I applied for a Cap Plat card 2 weeks ago and was thrilled to get it. Then I stupidly applied for Citi Simplicity and was denied. Then I said no more aps. But yest applied for Walmart card and got 400 credit line... and i have bad credit. They wouldnt even give me my real fico scores because i have no credit cards in the last year. nothing at all reporting.... but they still gave me a Walmart card. So I don't wanna be blamed if you get rejected, but if I can get it anyone can. I have a Federal Lien on my report and a creditcard account that I settled  for like 50 percent of what I owed that is dated about a year and a half ago and thats my total credit report. If you want more store credit cards maybe try to get a popup pre approval from Buckle or Victorias Secret or Express.

   

                                                 Good Luck

Senior Contributor
Posts: 4,061
Registered: ‎10-02-2012
0 Kudos

Re: Am I eligible for a Walmart Card?

Yeaup just lower your debt ratio and BAM your wal mart card is on its way. Its an easy card to get doesnt require much just a score in its 600s and a fair history. GOOD LUCK!

Banking with CBofTV, BofH, and BBVA. All three are free checking accounts.
First Premier CC $500
Chapter 7 BK Discharged on 7/11/16
Equifax, Experian, Transunion, and ChexSystem are FROZEN.
Gardening Since 09/20/2017
Frequent Contributor
Posts: 357
Registered: ‎08-14-2012
0 Kudos

Re: Am I eligible for a Walmart Card?

 

AAoA: 4 months

 

My total util dropped to 30%, just an update. But, uhh just wanted ask should I wait until AAoA goes up to 6 months, or just for my oldest credit card to hit 6 months, because it did a few days ago?

Rebuilding...been out of the game for a minute. Now, after suffering I'm back with greater wisdom. Scores: Currently @ around 6 teens to 20's, across all three EQ,TU, EX

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 myFICO.com 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.