cancel
Showing results for 
Search instead for 
Did you mean: 

Easy store card to get?

Regular Contributor

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.
Message 21 of 41
Contributor

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.....

Message 22 of 41
Valued Member

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)
Message 23 of 41
Valued Member

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)
Message 24 of 41
Regular Contributor

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
Message 25 of 41
Established Contributor

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?

Chap7 discharge 7/29/15
Fico 11/20: TR:595(high util)
Cap1(Plat+QS) 3500+2500/Merrick 1000/Express 1100.
Message 26 of 41
Frequent Contributor

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!

Message 27 of 41
Frequent Contributor

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!

Message 28 of 41
New Member

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
Message 29 of 41
Senior Contributor

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.  

Message 30 of 41