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Frequent Contributor
WarJar101
Posts: 341
Registered: ‎08-14-2012
0

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?

Cap One Platinum MC $2.5k CL (08/12)
Citi Forward Student Visa Card $1.5k CL (09/12)
Express NEXT Card $0.25k CL (02/13), Jcrew CC $0.7k CL(02/13)
AMEX PRG NPSL (03/13), AMEX Gold Delta Skymiles 2k (03/13)
Walmart Credit Card $1.5k (03/13)
TU: 687 FICO (3/13) | EX: 692 Lender Pull (3/13) | EQ: 678 (4/1/13)
Contributor
SpeedingWheels
Posts: 253
Registered: ‎08-06-2012
0

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
WarJar101
Posts: 341
Registered: ‎08-14-2012
0

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.

Cap One Platinum MC $2.5k CL (08/12)
Citi Forward Student Visa Card $1.5k CL (09/12)
Express NEXT Card $0.25k CL (02/13), Jcrew CC $0.7k CL(02/13)
AMEX PRG NPSL (03/13), AMEX Gold Delta Skymiles 2k (03/13)
Walmart Credit Card $1.5k (03/13)
TU: 687 FICO (3/13) | EX: 692 Lender Pull (3/13) | EQ: 678 (4/1/13)
Contributor
VWTUNER
Posts: 75
Registered: ‎11-12-2012
0

Re: Am I eligible for a Walmart Card?

Best way to lower util- pif
current cards
WM store
Cap1 platinum
WF secured
Amazon Chase :smileyhappy:
Gardening since 12/20/2012
Frequent Contributor
nuggets321
Posts: 344
Registered: ‎03-25-2011
0

Re: Am I eligible for a Walmart Card?

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

 

TU-717 (MYFICO) EQ- 696(MYFICO) EXP 711(Amex denial letter)
My Wallet : Dicover More 10,000 CL / Amex Zync NPSL / WellsFargoRewards3800 / -CapOne 3000CL / GEMBWalMart 5000CL / Zales 4000CL-Kays 2900--Macys 3000CL /SSFCU 5000CL / CitiBank Plat Select 3000CL / CHASE Freedom 1300CL / Lowes 10,000 CL / BBuyStoreCard 5000CL Sears Store Card (Citi) 3000 / Firestone CFNB 1400 Toyota Financial $35,000 Auto /2200DiscountTire(GECRB) Citi TY Preferred 6500CL / Chase Slate$4000/BofA2500/ToyotaRewardsVisa$6500BofA$6500
Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011
0

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
TravisD
Posts: 94
Registered: ‎01-02-2013
0

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
dddewdrop
Posts: 1,060
Registered: ‎02-06-2013
0

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

0/10001100/13001346/16001699/2000Prepaid ,,Recent scores:FICO EX 632,EQ 635,TU 632...Link to my Rebuild Log
Senior Contributor
BearsAndTurtlesRtheBest
Posts: 3,552
Registered: ‎10-02-2012
0

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!

$1,000$600
EX FICO---, EQ FICO---, TU FICO 603, Gardening Since 10-05-14
Frequent Contributor
WarJar101
Posts: 341
Registered: ‎08-14-2012
0

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?

Cap One Platinum MC $2.5k CL (08/12)
Citi Forward Student Visa Card $1.5k CL (09/12)
Express NEXT Card $0.25k CL (02/13), Jcrew CC $0.7k CL(02/13)
AMEX PRG NPSL (03/13), AMEX Gold Delta Skymiles 2k (03/13)
Walmart Credit Card $1.5k (03/13)
TU: 687 FICO (3/13) | EX: 692 Lender Pull (3/13) | EQ: 678 (4/1/13)

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