Reply
Regular Contributor
Posts: 199
Registered: ‎05-23-2007
0

Re: Easy store card to get?

[ Edited ]

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.

-------------------------------------------------------------------------------------------------
Starting Score - 575 (4/10)
Current Score - EQ - 750, TU - 752, EX - 728 11/4/12

Current Cards:
AMEX SPG ($7.5k), Amazon.com Visa ($3k), Discover More ($2k) all since 11/4/12

Fighting the good fight!
Contributor
Posts: 78
Registered: ‎07-01-2012
0

Re: Easy store card to get?

^ He went to Jared's.

New Member
Posts: 7
Registered: ‎07-27-2012
0

Re: Easy store card to get?

 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.

Contributor
Posts: 78
Registered: ‎07-01-2012
0

Re: Easy store card to get?

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.

Established Contributor
Posts: 930
Registered: ‎07-30-2011
0

Re: Easy store card to get?

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


Starting Score: TU: 566
Current Score: TU: 741 (Discover FICO); EQ: 755 (MyFico) EX: 774 (FAKO)
Goal Score: 800

Take the FICO Fitness Challenge
Contributor
Posts: 78
Registered: ‎07-01-2012
0

Re: Easy store card to get?

[ Edited ]

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.

Valued Contributor
Posts: 2,218
Registered: ‎09-16-2011
0

Re: Easy store card to get?


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.


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. 

 

 

 

 

 

Cards: Chase Southwest 20k & CSP 10k & Freedom 6.6k & Amtrak 4.6k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 12k Sally Mae5k Sams Club MC 10k, Paypal Extras MC 6k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5k, Walmart 10k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 8.5k and a nice stack of store cards.
Last APP/HP 4/22/2015
Moderator Emeritus
Posts: 11,092
Registered: ‎12-30-2011
0

Re: Easy store card to get?

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.

 

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 700, TU 04 731, EX 98 725 (05/24/15)
Goal Score: 700 on EQ 04 (01/01/16)


Take the myFICO Fitness Challenge
Contributor
Posts: 78
Registered: ‎07-01-2012
0

Re: Easy store card to get?

free TU FICO was one of the reasons.

Established Contributor
Posts: 930
Registered: ‎07-30-2011
0

Re: Easy store card to get?


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.


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.


Starting Score: TU: 566
Current Score: TU: 741 (Discover FICO); EQ: 755 (MyFico) EX: 774 (FAKO)
Goal Score: 800

Take the FICO Fitness Challenge
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.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

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.