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Just got a Walmart card

Valued Contributor

Just got a Walmart card

It's been 7 weeks since I went on a little app spree and was denied some GE cards (Sams Club, Lowe's, and i think another as well)

 

Well, today I figured I'd give it a shot for a Walmart card rather than the Sam's Club card. I'm not sure if it made any difference on that, but I did get instantly approved.

 

I was actually very surprised when it came up with the approval. LOL, even though the intial CL is $150 that doesn't bother me at all b/c I couldn't even get one 7 weeks ago and I'm mainly wanting it for the TU FICO each month. We do shop at Sam's Club so it will get used probably mostly on gas savings, but with it not having an AF there is no reason to get rid of it. It should only grow in time.

 

thanks,

 

John

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Message 1 of 28
27 REPLIES
Contributor

Re: Just got a Walmart card

I'm jealous.  I wanted Walmart for the gas savings too.... :-)

Starting scores: EQ 420, EX 421, TU 405 (Jan 2011)
Bk Ch 7 Discharged Mar 2011
Current scores: EQ 456, EX 534, TU 411 (Aug 2012) FICO (8/2012 -- EQ 564, EX 584 (from BofA) TU 551)
Goal scores: EQ 700+, EX 700+, TU 700+

Credit accounts: 30% APR auto loan (Jan 2012), Secured [CapOne (3K), PNC (1300), NFCU (1K), Coke (2500)] and Target (200)
Message 2 of 28
Valued Contributor

Re: Just got a Walmart card

What gas savings?

And no worries my Macy's card started at 100 limit. Even though I was instantly approved in store I laughed at it.

Pif and then put it in the sock drawer 4 months later my limit was auto increased to 2k

Every little bit helps
Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Message 3 of 28
Valued Contributor

Re: Just got a Walmart card


OlegWasHere wrote:
What gas savings?

And no worries my Macy's card started at 100 limit. Even though I was instantly approved in store I laughed at it.

Pif and then put it in the sock drawer 4 months later my limit was auto increased to 2k

Every little bit helps

save 5 cents on every gallon of gas til Dec. 31, 2012 and then i think the regular is 3 cents per gallon.

 

Thanks Oleg, knowing that you started low and in just a few month got a nice CLI makes me feel better.

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Message 4 of 28
Valued Contributor

Re: Just got a Walmart card

Hmm, this has me wondering if i should possibly app for another GE backed card? Thoughts?

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Message 5 of 28
Established Contributor

Re: Just got a Walmart card


j_casteel wrote:

Hmm, this has me wondering if i should possibly app for another GE backed card? Thoughts?


 

You can if you want to..i have walmart, gap and chevron..all store cards... If you dont mind the inquiry, you should try


Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Message 6 of 28
Valued Contributor

Re: Just got a Walmart card

nearly all my inq's are falling off this year except for the ones from June.

 

I'm not needing to get any home, auto, etc. loans any time soon so I could garden for awhile after apping if i do.

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Message 7 of 28
Valued Contributor

Re: Just got a Walmart card


kobe2012 wrote:

j_casteel wrote:

Hmm, this has me wondering if i should possibly app for another GE backed card? Thoughts?


 

You can if you want to..i have walmart, gap and chevron..all store cards... If you dont mind the inquiry, you should try



think i'm gonna go for the Lowe's once again, and possibly Dick's sporting goods. Still looking to see which will benefit me the best. Don't want to just get a card to have one.

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Message 8 of 28
Established Contributor

Re: Just got a Walmart card

Interesting, I've seen a few threads where people get declined for Walmart but get Sam's and Vice versa

Does Sam's give the free TU08 score I wonder?

-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700

Take the FICO Fitness Challenge

Message 9 of 28
Valued Contributor

Re: Just got a Walmart card

whats your aaoa? I was denied with TU fico of 686 with only 6 mos history and one unpaid baddie. 

NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Message 10 of 28