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Valued Contributor
j_casteel
Posts: 1,915
Registered: ‎06-21-2012
0

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

| Walmart $5k | Amazon $5k | NFCU $20k | NLOC $15k | Lowes $17k | BoA $15k | Freedom $3k | IT $4.5k | CSP $5k | Marriott $5k | AMEX TE $9k | Alaska $5k |
Starting Scores: EQ:571 EX:??? TU:597
Current Scores: EQ:694 EX:714 TU:711
Goal Scores: 700
across the board
Contributor
tboy1977
Posts: 221
Registered: ‎07-11-2012
0

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)
Valued Contributor
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
0

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 701 10/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Valued Contributor
j_casteel
Posts: 1,915
Registered: ‎06-21-2012
0

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.

| Walmart $5k | Amazon $5k | NFCU $20k | NLOC $15k | Lowes $17k | BoA $15k | Freedom $3k | IT $4.5k | CSP $5k | Marriott $5k | AMEX TE $9k | Alaska $5k |
Starting Scores: EQ:571 EX:??? TU:597
Current Scores: EQ:694 EX:714 TU:711
Goal Scores: 700
across the board
Valued Contributor
j_casteel
Posts: 1,915
Registered: ‎06-21-2012
0

Re: Just got a Walmart card

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

| Walmart $5k | Amazon $5k | NFCU $20k | NLOC $15k | Lowes $17k | BoA $15k | Freedom $3k | IT $4.5k | CSP $5k | Marriott $5k | AMEX TE $9k | Alaska $5k |
Starting Scores: EQ:571 EX:??? TU:597
Current Scores: EQ:694 EX:714 TU:711
Goal Scores: 700
across the board
Established Contributor
kobe2012
Posts: 697
Registered: ‎03-16-2012
0

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: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



Valued Contributor
j_casteel
Posts: 1,915
Registered: ‎06-21-2012
0

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.

| Walmart $5k | Amazon $5k | NFCU $20k | NLOC $15k | Lowes $17k | BoA $15k | Freedom $3k | IT $4.5k | CSP $5k | Marriott $5k | AMEX TE $9k | Alaska $5k |
Starting Scores: EQ:571 EX:??? TU:597
Current Scores: EQ:694 EX:714 TU:711
Goal Scores: 700
across the board
Valued Contributor
j_casteel
Posts: 1,915
Registered: ‎06-21-2012
0

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.

| Walmart $5k | Amazon $5k | NFCU $20k | NLOC $15k | Lowes $17k | BoA $15k | Freedom $3k | IT $4.5k | CSP $5k | Marriott $5k | AMEX TE $9k | Alaska $5k |
Starting Scores: EQ:571 EX:??? TU:597
Current Scores: EQ:694 EX:714 TU:711
Goal Scores: 700
across the board
Established Contributor
jordanmedical
Posts: 1,011
Registered: ‎04-08-2012
0

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

Valued Contributor
rootpooty
Posts: 1,772
Registered: ‎10-28-2011
0

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

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