Another Walmart cc?...

[shorrttyycm1]

Thnx for advice bichonmom...I have about 21 mnths post w/ 5 positive trade lines no negs other than iib acts and bk7 itself. The denial letter only listed reason was bankruptcy? I have never had a GE card, the only store card i ever had was kohls.
My scores were Eq 656 TU 661.

idk...so confused.

[Rhaeny]

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@shorrttyycm1 wrote:
Thnx for advice bichonmom...I have about 21 mnths post w/ 5 positive trade lines no negs other than iib acts and bk7 itself. The denial letter only listed reason was bankruptcy? I have never had a GE card, the only store card i ever had was kohls.
My scores were Eq 656 TU 661.

idk...so confused.

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Like I said....call them back!  Plead your case to someone who will listen.  There was a thread here just recently about a lady who was denied a Chase card.  She REALLY REALLY wanted it but she got the denial letter just like you did.  She called back 5 times until she finally got approved.

Here is the thread....maybe it will give you some inspiration

[bichonmom]

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@shorrttyycm1 wrote:
Thnx for advice bichonmom...I have about 21 mnths post w/ 5 positive trade lines no negs other than iib acts and bk7 itself. The denial letter only listed reason was bankruptcy? I have never had a GE card, the only store card i ever had was kohls.
My scores were Eq 656 TU 661.

idk...so confused.

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Seems like you should have been approved, even w/a low starting CL. How long ago did you app? If it was within 30 days, then try calling the backdoor #. Most have reported no luck with this, but couldn't hurt to try. If longer than 30 days, then maybe reapply.

Alternatively, call and ask for a supervisor. If it's been over 30 days, they probably would need to do another HP, though. Maybe a supervisor could enlighten you as to the 2 year waiting period. Maybe say you have a friend (us!) who got a Walmart card less than 2 yrs post Bk, so why do they have the requirement for you and not for your friend.

[shorrttyycm1]

Rhaeny & bichonmom,
Thank u both! It has been about 42 days since my app. I'm gnna take ur advice (both) and call. Can't hurt right...wish me luck..i thnk I'm gnna nd it :-(
Rhaeny..thnx for the link!!

[bichonmom]

Good luck!