09-17-2012 03:41 PM
Hubby and I each applied for a Walmart card on our own. He got approved for $700 and I got approved for $300! It's obvoiusly not a joint account, but who cares? It's not much but it's a step in the door! We noticed they didn't ask for an employer when hubby did it so I went ahead and tried it on my own. I was shocked it was approved and I put my income down as $0.
09-17-2012 03:50 PM
09-17-2012 03:55 PM
You put your income as 0 and they approved you??
I know! It's crazy! I figured if they didn't ask for an employer name or number, why not be 100% honest with income? I figured if I was denied, I would just try again at another time and use half of hubby's income as mine. At least I could claim we file taxes jointly and it wasn't a lie.
09-18-2012 05:10 AM
Well, I guess the answer is yes. Yesterday I was approved for a Walmart CC ($300 CL) and today a GAP CC ($200 CL). It's not much, but I feel like I have my foot in the door now!
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO