Credit Cards

[pozativelyliving]

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. 

[jmcmillan]

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

[iLiveCredit]

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. :-/

[iLiveCredit]

Best of luck with GE, they even denied me for CareCredit lmaooo = they hate me :-/

[MaryJane197]

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.

[westo12]

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lithium78 wrote:

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

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Lithium, when did Target approve you?

[LisaJ]

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!

[LisaJ]

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.

[CuervoSucio]

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.

[Wolf3]

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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.

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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.