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Established Member
uroosa1
Posts: 61
Registered: ‎07-21-2012
0

Can I recon for Walmart store card?

I applied for Walmart Discover with 687 TU 40% utilz

i was denied. 

 

Why was i not considered for the regurlar store card then

 

Can I recon or contact execetive office? will recon result in HP?

 

Or would it better to just reapply for the store card. i was just 

approved for 6k lowes. so i should get walmart. 

Super Contributor
mongstradamus
Posts: 7,408
Registered: ‎06-19-2013
0

Re: Can I recon for Walmart store card?


uroosa1 wrote:

I applied for Walmart Discover with 687 TU 40% utilz

i was denied. 

 

Why was i not considered for the regurlar store card then

 

Can I recon or contact execetive office? will recon result in HP?

 

Or would it better to just reapply for the store card. i was just 

approved for 6k lowes. so i should get walmart. 


I thought if you apply for discover walmart and your credit was not good enough, they would automatically qualify you for their regular store card, thats at least what happened to me. I would wait till more people chime in don't want you to waste another HP for nothing. 


EX Fico 782 9/25/14 Fako 801 CS/Credit.com 11/24/14
EQ SW 823 quizzle fako 796 7/19/14
TU Fico 808 Fako 787 Creditkarma 11/24/2014
Community Leader
Senior Contributor
myjourney
Posts: 26,659
Registered: ‎02-07-2013
0

Re: Can I recon for Walmart store card?


mongstradamus wrote:

uroosa1 wrote:

I applied for Walmart Discover with 687 TU 40% utilz

i was denied. 

 

Why was i not considered for the regurlar store card then

 

Can I recon or contact execetive office? will recon result in HP?

 

Or would it better to just reapply for the store card. i was just 

approved for 6k lowes. so i should get walmart. 


I thought if you apply for discover walmart and your credit was not good enough, they would automatically qualify you for their regular store card, thats at least what happened to me. I would wait till more people chime in don't want you to waste another HP for nothing. 


Correct 

When applying for Walmart the Discover version is considered first and if you don't meet the requirments then the store card is considered 

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/13


Contributor
1_2
Posts: 174
Registered: ‎03-06-2012
0

Re: Can I recon for Walmart store card?

When I applied online last March I think it was for a Walmart Discover  and then they sent me the regular card. I dont think I had a choice in which one I was applying for but I cant remember positively.

 

I do know that a friend of mine applied the same day on the same computer -- he has a long history of outstanding credit and he was given the Discover card. At that time he applied because Walmart was giving 15 cents off each gallon of gas purchased. Now they have stopped that and I think its only 3 cents off.








Closed on home Jan 30, 2013. Yay!

Capital One (secured) $1000.00 | Capital One (former Orchard Bank) $500.00 | First Premier $500.00 | Credit One Bank $750.00 | Wal-Mart $3550.00 | Citi Thank You Preferred $6,800.00 | Discover It $4,800.00 | AMEX BCE $4,500.00
Valued Contributor
Gunnar419
Posts: 1,234
Registered: ‎01-23-2013
0

Re: Can I recon for Walmart store card?


uroosa1 wrote:

I applied for Walmart Discover with 687 TU 40% utilz

i was denied. 

 

Why was i not considered for the regurlar store card then

 

Can I recon or contact execetive office? will recon result in HP?

 

Or would it better to just reapply for the store card. i was just 

approved for 6k lowes. so i should get walmart. 


As others have said, there's just one application for a Walmart card. They consider you first for the Walmart Discover. If you don't qualify for that, they then consider you for the store card. If you didn't get either, then you don't qualify -- for now.

 

You can definitely recon. There's a backdoor credit analyst number somewhere around the forum and it's actually best to call that number during nights or weekends, so you're in luck there. You can at least use it to get an idea why you were denied, and maybe they'll even approve you. Worth a try.

 

40 percent util is a little high, but a 687 TU CS is usually good for Walmart. Is that score a FICO or a FAKO? Any baddies on your report? Too many inquiries? A bankruptcy? Anything?

 

Established Contributor
adavis425
Posts: 525
Registered: ‎02-14-2012
0

Re: Can I recon for Walmart store card?


1_2 wrote:

When I applied online last March I think it was for a Walmart Discover  and then they sent me the regular card. I dont think I had a choice in which one I was applying for but I cant remember positively.

 

I do know that a friend of mine applied the same day on the same computer -- he has a long history of outstanding credit and he was given the Discover card. At that time he applied because Walmart was giving 15 cents off each gallon of gas purchased. Now they have stopped that and I think its only 3 cents off.


Right, you just apply and hope for the best, :smileyhappy: I apped in-store. Don't know if that matters. 40% util is a bit high (as others have said).

 

The 15 cents off promotion comes and goes. I got 5 cents off today.

AmEx Platinum | AmEx BCP | AmEx Delta Gold | CSP | Chase Freedom | NFCU cashRewards Visa Sig | NFCU Plat MC | WM MC | Discover it | JCP



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