Easy store card to get?

[getmycreditright]

Jared. My scores back then were around 570 and they showed me some love with a $1600 CL. That helped me buy my now wife her engagement ring. After I paid it off, they bumped me up to $2600.

[TsuSurf]

^ He went to Jared's.

[Anonymous]

 I was denied Walmart with CS 630 . I have 3 CC's for 2yrs, no lates, low util. Banana Republic/Gap/etc  pulls all three CR. I was heated it showed up in the email they sent me.  Target, Victoria secret were instant approvals but remember when applying a lot of creditors look at the number of inquires you have in a time period also.

[TsuSurf]

Yes I think I'm just going to sit on these 3 cards for 6 months to a year before I app for anything new.  I will try to increase there limits when I have extra cash.

[lithium78]

Walmart and Target Redcard both approved me with scores in the 500s.  They were instrumental in rebuilding my credit.

[TsuSurf]

Does walmart report to all 3 bureaus? What bureau does walmart pull?  How long of a credit history did you have?  What baddies did you have at the time?  Thanks.

[jamesdwi]

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@jconvinced wrote:

I'm in the process of rebuilding my credit.  I have 3 cards opened between june-july 2012.  Cap sec 200, boa sec 300, and wells fargo sec 300.  I wanted to get a store card.  What are some generally easy store cards to get approved for?  I was looking into amazon(ge) and walmart (GE) since I use both stores.

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with those  limits you have focus on GE backed cards cards....  CLI's every 4 months if you use the card, card doesn't even need to be zero balance when you make the request via the automated phone system. In 8 months it will easily be your highest CL and may be even double. 

[Revelate]

You have three cards, you don't need another for building purposes at all.

Is there any reason you want a store card?  It does next to nothing for you FICO wise, so unless there's some specific reward it offers (vis a vis Target discount or a financing option) there's not really any point in my opinion at least.

[TsuSurf]

free TU FICO was one of the reasons.

[lithium78]

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@jconvinced wrote:

Does walmart report to all 3 bureaus? What bureau does walmart pull?  How long of a credit history did you have?  What baddies did you have at the time?  Thanks.

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Walmart reports to all 3 bureaus.  They pull TU.  At the time of application, I had AAoA of 5 years and over 20 baddies reporting.  They started me off with a $300 CL and they gave me increases every 4 months when I requested it.  They were a really important part of my rebuilding process and after two and a half years they upgraded me to a Walmart Discover after my situation improved.