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Regular Contributor
pozativelyliving
Posts: 237
Registered: ‎07-13-2012
0

Re: Easy store card to get?

I have a pre-qualified app from JCP. Have been thinking about sending it in but I really don't buy much there. Would just be getting it to get it. Between Walmart and Target, I goto both stores so I can make use of one of those. Prefer Target but like the score monitoring service offered by Walmart. I was also declined by Target in October so I think I'll be trying for Walmart in a few weeks. 

EX 638 (Lender 9/1) TA 650(Walmart 9/1) EQ 655 (FICO - 9/17)
Goal - 700 Club in '13!!!

My Wallet - Cap 1 - $300. Cap 1 - $750. Orchard - $950.
New as of 8/29 - Target - $3000. Barclay's - $2000. Merrick - $1000. Walmart $600. And as of 9/22 - JCP $200.
Contributor
jmcmillan
Posts: 75
Registered: ‎07-15-2011
0

Re: Easy store card to get?

Does anyone recommend how to apply for Walmart for best chances of approval? i.e., at the register, online, customer service.....

Valued Member
iLiveCredit
Posts: 48
Registered: ‎02-24-2009
0

Re: Easy store card to get?

GE Money Bank hates me. Denied me for YEARS. Even when my FICO scores were in the mid 700s—i think it's personal lol. I gave up on them years ago. :-/
Macy's $1,200 | Capital One $750 | Credit One Bank $500 | Victoria's Secret Angel $500 | EXPRESS Next $500 | Chase Freedom $300 | J.Crew $250 | The Buckle $250 | Citicard $200

3/19/3013 TU 583 (CK SCORE) EX 596 (CK SCORE)
3/19/2013 EX 595 (Experian.com)
3/13/2013 EQ 596 (FICO) TU 576 (FICO)
3/01/2013 EQ 586 (FICO)
2/27/2013 TU 594 (Credit Karma) EQ 612 (Credit Sesame) EX 643 (Quizzle)
9/14/2012 EX 550 (Experian.com) TU 515 (FICO) EQ 563 (FICO)
Valued Member
iLiveCredit
Posts: 48
Registered: ‎02-24-2009
0

Re: Easy store card to get?

Best of luck with GE, they even denied me for CareCredit lmaooo = they hate me :-/
Macy's $1,200 | Capital One $750 | Credit One Bank $500 | Victoria's Secret Angel $500 | EXPRESS Next $500 | Chase Freedom $300 | J.Crew $250 | The Buckle $250 | Citicard $200

3/19/3013 TU 583 (CK SCORE) EX 596 (CK SCORE)
3/19/2013 EX 595 (Experian.com)
3/13/2013 EQ 596 (FICO) TU 576 (FICO)
3/01/2013 EQ 586 (FICO)
2/27/2013 TU 594 (Credit Karma) EQ 612 (Credit Sesame) EX 643 (Quizzle)
9/14/2012 EX 550 (Experian.com) TU 515 (FICO) EQ 563 (FICO)
Regular Contributor
MaryJane197
Posts: 146
Registered: ‎01-05-2009
0

Re: Easy store card to get?

I applied for a JCP card.  I only have one other card a Capital One.  Hopefully they will give me a JCP card.  It didnt give me a instant decision.  It said they will let me know in 7 - 10 days.

01/10/09: - TransUnion: 500 / Equifax: 521, / Experian: 566
Filed BK 02/24/2012
06/06/2014: - Transunion:509 / Equifax:513 ,/ Experian: 551
07/28/2014: - Transunion:487 / Equifax:467 ,/ Experian: 574
08/04/2014: - Transunion:516 / Equifax:555 ,/ Experian: 584


07/25/2014: - Transunion:516 / Equifax:541 ,/ Experian: 574
Established Contributor
westo12
Posts: 579
Registered: ‎07-20-2008
0

Re: Easy store card to get?


lithium78 wrote:

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


Lithium, when did Target approve you?

2014 Starting-618, current TU638 (DiscTU 8/20) / Ending Goal score: 720 / 26 Positive TLs / 1 Negative: Unpaid $312 med CA placed 2010 / reported Install Bal/Lim: 17885/28512 | reported Revolving Bal/Lim: 12475/21082=59%util.

**IN the garden until I get some auto CLI's on major accts**
Frequent Contributor
LisaJ
Posts: 390
Registered: ‎11-06-2008
0

Re: Easy store card to get?

I was stuck at $200 forever with Red Card until last year. I have had two auto CLIs in the last year; one for $800 and one for $300. I am at $1300. I think it is because I paid in full every month for a year. That being said, it was a loooooong time with no CLIs!
WOW! EQ when I joined myFICO: 657. Ups and downs and a few bumps and bruises, but finally back over 700. Whew!

Frequent Contributor
LisaJ
Posts: 390
Registered: ‎11-06-2008
0

Re: Easy store card to get?

For me, it was JCP, Macy's, Orchard and Best Buy. Not sure if that still holds. But, I would advise anyone to steer clear of orchard unless Cap One is better than HSBC. Orchard bank (run by HSBC at the time) was the worst with CLI that I have ever experienced. I had a Visa and a MC and canceled both earlier this year. They would not drop my annual fee or give me CLI even though my score rose from high 500s to low 700s while I was a customer. The ONE CLI I got I was required to pay a processing fee . I was worried it would hurt my score when I canceled because they were my oldest cards, but I was so done with them that I did not care.

Sorry for sidetracking. Hubby got a Best Buy MC when he was rebuilding. I got Home Depot when I hit 630 ish.
WOW! EQ when I joined myFICO: 657. Ups and downs and a few bumps and bruises, but finally back over 700. Whew!

New Member
CuervoSucio
Posts: 9
Registered: ‎08-08-2012
0

Re: Easy store card to get?

Anyone know if I would get approved for any store cards?

 

I just got a 500 cl BOA secured.

 

I had a Targert card that I settled with a Collection Agency when I was young and dumb in 2009 or so and its showing on my credit reports that it was closed  Nov/11.

 

My credit karma fako is 641 and myfico said it had no score to give me.

 

Thanks.

 

Trans-583 Exp-626 Eq-???
8/12/12: Trans-679 Exp-??? Eq-622
Goal:700+
Wallet: BoA Secured: $500
Senior Contributor
Wolf3
Posts: 3,198
Registered: ‎01-24-2010
0

Re: Easy store card to get?


CuervoSucio wrote:

Anyone know if I would get approved for any store cards?

 

I just got a 500 cl BOA secured.

 

I had a Targert card that I settled with a Collection Agency when I was young and dumb in 2009 or so and its showing on my credit reports that it was closed  Nov/11.

 

My credit karma fako is 641 and myfico said it had no score to give me.

 

Thanks.

 


I think you need to wait until you have over 6 months on your BOA secured, before you try.  It is very hard without a valid score.  


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