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Another Walmart cc?...

Frequent Contributor

Re: Another Walmart cc?...

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.

Starting Score: 530
3-2013Score: TU 680 EQ 683 EXP 679 FAKO
Current Score (lender pull): TU 693 EQ 649 EXP 699 Lender Pull
Goal Score: 700


Take the FICO Fitness Challenge
Message 11 of 15
Valued Contributor

Re: Another Walmart cc?...


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.

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


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Message 12 of 15
Senior Contributor

Re: Another Walmart cc?...


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.

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.

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Message 13 of 15
Frequent Contributor

Re: Another Walmart cc?...

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!!

Starting Score: 530
3-2013Score: TU 680 EQ 683 EXP 679 FAKO
Current Score (lender pull): TU 693 EQ 649 EXP 699 Lender Pull
Goal Score: 700


Take the FICO Fitness Challenge
Message 14 of 15
Senior Contributor

Re: Another Walmart cc?...

Good luck! Smiley Happy

 

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Message 15 of 15