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Applied Two GE Cards... Wal-Mart & Amazon

Regular Contributor

Applied Two GE Cards... Wal-Mart & Amazon

I just recently applied for two GE cards, Wal-Mart and Amazon, seeing as how I shop those the most often and would utilize those quite a bit, AND RESPONSIBLY, but was given the dreaded 7-10 day notice. I haven't checked my score recently, but am believed to be sitting at about a 642, but is there any way I could speed up the process. The hardest part is the waiting game, and I'm eager to grow my credit, so having these 2 additional cards would really help me, but am trying to be patient on whether I was approved or denied.

 

Any advice on how I could find out sooner, or must I be patient? Smiley Happy

My Wallet: WF College Card ($1.7k); GE Wal-Mart ($1.3k); GE Amazon ($1.9k); Chase Freedom ($1k); Citi Simplicity ($2k); Discover IT ($2k); CareCredit ($1.5k); GE Lowes ($2.5k) -- In The Garden 'Til 08/2014

Current Scores: EQ 716; TU 683; EX: 709; TU(08): 723 - As of April 21, 2014
Goal Score: 700 Across the Board (TU, EQ, EX)


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Message 1 of 45
44 REPLIES
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Established Contributor

Re: Applied Two GE Cards... Wal-Mart & Amazon

Call back door number. Search for back door number, you'll see it

10/2012 Started with 588 EQ Fico score and 20+ CA and CO
1750$ total CL
10/2013 in 700 Club
Personal :Total CL 196K
Business : Total CL 200K
Business LOC : 1M
Garden From 10/13/2013
Message 2 of 45
Moderator Emeritus

Re: Applied Two GE Cards... Wal-Mart & Amazon


TrishN wrote:

Call back door number. Search for back door number, you'll see it


Agreed. When I got the 7-10 day message for my Dillard's card, I was sure that it meant that I had been turned down. Instead, they simply wanted to confirm my identity and I was approved. I would recommend that the OP give them a call and find out.

 


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Message 3 of 45
Valued Contributor

Re: Applied Two GE Cards... Wal-Mart & Amazon

GE has been doing the ID verification a lot lately, I keep seeing that for everyone's approvals.

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 4 of 45
Regular Contributor

Re: Applied Two GE Cards... Wal-Mart & Amazon

Should I call Wal-Mart underwriting, or Wal-Mart Personal Accounts? And for Amazon, GEMB backdoor number in the backdoor thread would work fine, correct?

 

My Wallet: WF College Card ($1.7k); GE Wal-Mart ($1.3k); GE Amazon ($1.9k); Chase Freedom ($1k); Citi Simplicity ($2k); Discover IT ($2k); CareCredit ($1.5k); GE Lowes ($2.5k) -- In The Garden 'Til 08/2014

Current Scores: EQ 716; TU 683; EX: 709; TU(08): 723 - As of April 21, 2014
Goal Score: 700 Across the Board (TU, EQ, EX)


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Message 5 of 45
Valued Contributor

Re: Applied Two GE Cards... Wal-Mart & Amazon

I think in your situation Personal Accounts is fine.  If you needed to recon UW would be better.

 

I think...

 

Most importantly, report back with results Smiley Happy

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 6 of 45
Valued Contributor

Re: Applied Two GE Cards... Wal-Mart & Amazon

Most of the time they just need to verify information....


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Message 7 of 45
Valued Contributor

Re: Applied Two GE Cards... Wal-Mart & Amazon

Happened to me when I used my walmart pre-approval a couple weeks ago. Just answered three ID questions and was approved! Call in! Smiley Happy

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Message 8 of 45
Valued Contributor

Re: Applied Two GE Cards... Wal-Mart & Amazon

your good!
5/2012: 560 credit scores across the board
12/2014 750+
3/2017 780+
5/2017 800+
Message 9 of 45
Regular Contributor

Re: Applied Two GE Cards... Wal-Mart & Amazon

Speechless right now. Just called Wal Mart and was flat out told by an Indian woman in "customer relations" that because the system denied me, I would receive a denial letter with a reason in 7-10 business days. So I don't know but it's seeming that all ambition was lost by that rejection. Should I have done something different?? Not even sure if I want to check with Amazon now, a waste of to HPs for no reason.
My Wallet: WF College Card ($1.7k); GE Wal-Mart ($1.3k); GE Amazon ($1.9k); Chase Freedom ($1k); Citi Simplicity ($2k); Discover IT ($2k); CareCredit ($1.5k); GE Lowes ($2.5k) -- In The Garden 'Til 08/2014

Current Scores: EQ 716; TU 683; EX: 709; TU(08): 723 - As of April 21, 2014
Goal Score: 700 Across the Board (TU, EQ, EX)


Take the FICO Fitness Challenge
Message 10 of 45