Reply
Established Contributor
jordanmedical
Posts: 1,011
Registered: ‎04-08-2012

Black friday 0% advice

I have a special for my walmart card for a 0% and am eyeing a tv but it wil max my card. I will call tommorow for a cli since I just paid my first statement but I think it may be too soon. I also am looking at a nikon camera but I could get that at amazon.

 

Advice to mazimize 0% offers? (these would be paid off in like 3 months but don't wanna worry about interests during that time)

 

Afraid to app for amazon card bc just got Barclays last month and you know how they are with new cards.

 

 

-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700

Take the FICO Fitness Challenge

Valued Contributor
Dustink
Posts: 2,980
Registered: ‎10-02-2012

Re: Black friday 0% advice

What about Best Buy? Although, they are crazy on black friday.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:21    


     $14k          $8.5K          $7.5k          $7.5k         $6.5k             $6k             $5k            $5k             $5k              $5k           NPSL       @ 0%
Established Contributor
jordanmedical
Posts: 1,011
Registered: ‎04-08-2012

Re: Black friday 0% advice

Did that last year, never again lol

-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700

Take the FICO Fitness Challenge

Established Contributor
calihlove75
Posts: 786
Registered: ‎05-16-2012

Re: Black friday 0% advice


jordanmedical wrote:

I have a special for my walmart card for a 0% and am eyeing a tv but it wil max my card. I will call tommorow for a cli since I just paid my first statement but I think it may be too soon. I also am looking at a nikon camera but I could get that at amazon.

 

Advice to mazimize 0% offers? (these would be paid off in like 3 months but don't wanna worry about interests during that time)

 

Afraid to app for amazon card bc just got Barclays last month and you know how they are with new cards.

 

 


You should be okay calling walmart. My son literally only had a card that he was a authorized user reporting and he was approved for amazon and walmart a couple of weeks ago. He has not even used the card and called today and Walmart  doubled his limit so he could do the zero financing deal and the kid has no history.


100% Ficos: EX 762, TU 767, EQ 754 Inquiries last 1 year/6 months: EX-0/0, TU- 0/0, EQ-2/1~ last credit card app 6/24/13- New car loan 3/8/2014
Discover IT $8000~Kohls $1000~Amex BCE $2000~ Walmart Discover $7500~NFCU Signature CashRewards $14,000~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $2500~ Amazon Store $7000~ Fingerhut $1050
Frequent Contributor
ficojoe
Posts: 308
Registered: ‎07-21-2012

Re: Black friday 0% advice


jordanmedical wrote:

I have a special for my walmart card for a 0% and am eyeing a tv but it wil max my card. I will call tommorow for a cli since I just paid my first statement but I think it may be too soon. I also am looking at a nikon camera but I could get that at amazon.

 

Advice to mazimize 0% offers? (these would be paid off in like 3 months but don't wanna worry about interests during that time)

 

Afraid to app for amazon card bc just got Barclays last month and you know how they are with new cards.

 

 


I applied for a CLI on my walmart GE card after about 2 months and was denied. I do not believe they even pulled my credit. The only denial reason was not enough experience at current credit limit. When I called them on the phone they said nobody gets a CLI until afte the 4th statement is issued.

 

My 4th statement is due out this week!

Established Contributor
calihlove75
Posts: 786
Registered: ‎05-16-2012

Re: Black friday 0% advice


ficojoe wrote:

jordanmedical wrote:

I have a special for my walmart card for a 0% and am eyeing a tv but it wil max my card. I will call tommorow for a cli since I just paid my first statement but I think it may be too soon. I also am looking at a nikon camera but I could get that at amazon.

 

Advice to mazimize 0% offers? (these would be paid off in like 3 months but don't wanna worry about interests during that time)

 

Afraid to app for amazon card bc just got Barclays last month and you know how they are with new cards.

 

 


I applied for a CLI on my walmart GE card after about 2 months and was denied. I do not believe they even pulled my credit. The only denial reason was not enough experience at current credit limit. When I called them on the phone they said nobody gets a CLI until afte the 4th statement is issued.

 

My 4th statement is due out this week!


Did you call the backdoor number on here? Walmart has been super easy for me. In the first week of having my card they upped my limit from $2000 to $5000 and they doubled my son's limit...soft pull


100% Ficos: EX 762, TU 767, EQ 754 Inquiries last 1 year/6 months: EX-0/0, TU- 0/0, EQ-2/1~ last credit card app 6/24/13- New car loan 3/8/2014
Discover IT $8000~Kohls $1000~Amex BCE $2000~ Walmart Discover $7500~NFCU Signature CashRewards $14,000~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $2500~ Amazon Store $7000~ Fingerhut $1050
Frequent Contributor
ficojoe
Posts: 308
Registered: ‎07-21-2012

Re: Black friday 0% advice


calihlove75 wrote:

ficojoe wrote:

jordanmedical wrote:

I have a special for my walmart card for a 0% and am eyeing a tv but it wil max my card. I will call tommorow for a cli since I just paid my first statement but I think it may be too soon. I also am looking at a nikon camera but I could get that at amazon.

 

Advice to mazimize 0% offers? (these would be paid off in like 3 months but don't wanna worry about interests during that time)

 

Afraid to app for amazon card bc just got Barclays last month and you know how they are with new cards.

 

 


I applied for a CLI on my walmart GE card after about 2 months and was denied. I do not believe they even pulled my credit. The only denial reason was not enough experience at current credit limit. When I called them on the phone they said nobody gets a CLI until afte the 4th statement is issued.

 

My 4th statement is due out this week!


Did you call the backdoor number on here? Walmart has been super easy for me. In the first week of having my card they upped my limit from $2000 to $5000 and they doubled my son's limit...soft pull


I called the backdoor number and they told me they could try, but suggested I wait for 4 months because they never see approvals before then. So, I didn't have him try.

Established Contributor
jordanmedical
Posts: 1,011
Registered: ‎04-08-2012

Re: Black friday 0% advice

I called right when I got the card expecting for them to match my higher limits but no go. I tried to automated and got shot down. Hopefully they will say yes when I call tomm.

-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700

Take the FICO Fitness Challenge

Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012

Re: Black friday 0% advice

Good luck

Established Contributor
jordanmedical
Posts: 1,011
Registered: ‎04-08-2012

Re: Black friday 0% advice

no luck

-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700

Take the FICO Fitness Challenge


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+