Reply
Established Member
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
Posts: 8,690
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 791 1/7/15 Fako 801 CS/Credit.com 11/24/14
EQ SW bank enhanced 2/27/15 808 CK fako 807 2/7/15
TU Fico Barclay's 3/26/15 791 TU fico walmart 3/23/2015 788 Fako 808 Creditkarma 3/23/15
Community Leader
Senior Contributor
Posts: 26,723
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 6/2013
Contributor
Posts: 182
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
Posts: 1,584
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
Posts: 531
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


Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.