cancel
Showing results for 
Search instead for 
Did you mean: 

Easy store card to get?

Regular Contributor

Re: Easy store card to get?

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!
Message 11 of 41
Contributor

Re: Easy store card to get?

^ He went to Jared's.

Message 12 of 41
New Member

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.

Message 13 of 41
Contributor

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.

Message 14 of 41
Established Contributor

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
Message 15 of 41
Contributor

Re: Easy store card to get?

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.

Message 16 of 41
Valued Contributor

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 & CSR 10k & CSP 10k & Freedom 6.6k & Amtrak/Freedom 4.6k, FNBO DISC 25.1k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 10k, Paypal Extras MC 7.5k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5.9k, Walmart 10k, Citi Simplicity 9k, Discover IT 16k and a nice stack of store cards.
Last APP/HP 5/15/2017 Marcus Loan. 30k
Message 17 of 41
Moderator

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 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 758, EX 2 758, EQ 8 795, TU 8 762, EX 8 786 (7/28/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)


Take the myFICO Fitness Challenge
Message 18 of 41
Contributor

Re: Easy store card to get?

free TU FICO was one of the reasons.

Message 19 of 41
Established Contributor

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
Message 20 of 41