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Contributor
praise123
Posts: 108
Registered: ‎06-24-2012
0

Left the Garden for Walmart how embarrassing is that

So, I was at Walmart and decided to apply for the card to help bring down my utilization rate on other cards. I knowstupid right? Well, I got appr for $800. I don't e en need this crd. I already ha e 7 cards that I got just this year. I will be aplyingdoor a mortgage in 6 months. I have target, Macy, best buy, chase, citi, BofA, credit one and now Walmart. I think that because I grew up being poor and denied credit I am making up for lost time.

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

Re: Left the Garden for Walmart how embarrassing is that


praise123 wrote:

So, I was at Walmart and decided to apply for the card to help bring down my utilization rate on other cards. I knowstupid right? Well, I got appr for $800. I don't e en need this crd. I already ha e 7 cards that I got just this year. I will be aplyingdoor a mortgage in 6 months. I have target, Macy, best buy, chase, citi, BofA, credit one and now Walmart. I think that because I grew up being poor and denied credit I am making up for lost time.


i guess soo. 

apping so many times before a mortgage was dumb in my opinion. 

id wait until next oct before doing so now. 

 

ge will grow with you. 

i thought i was a shoe in for discover and got the 800 cl on the store card in july and now i have a 3000 cl with one purchase on file since july. 

anything is possible.

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
nicholasyud
Posts: 1,737
Registered: ‎08-13-2012
0

Re: Left the Garden for Walmart how embarrassing is that

they grow with you


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Established Contributor
jordanmedical
Posts: 1,011
Registered: ‎04-08-2012
0

Re: Left the Garden for Walmart how embarrassing is that

At least now you get the free TU score.

-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

Established Contributor
migliogiorni
Posts: 657
Registered: ‎06-27-2012
0

Re: Left the Garden for Walmart how embarrassing is that

On the bright side you get $20 off your first purchase as long as you buy immediately after apping...

 

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012
0

Re: Left the Garden for Walmart how embarrassing is that

Congrats

Established Contributor
JonStur
Posts: 905
Registered: ‎12-25-2010
0

Re: Left the Garden for Walmart how embarrassing is that

You can't change your past, but you can control your present and future. It may feel good to get credit because it probably gives you a feeling of achievement and accomplishment. However, it is now time for you to be responsible or you can easily find yourself in over your head. This happens to people who grew up poor as well as those who were born privileged. Good luck and continued success!!!


Starting Score: TU 686 EX 641 EQ 690
Current Score: TU 779 EX 767 EQ 740
Goal Score: 800 Club

BCE $12.5K, 5/3 Sig $10K, Wally Discover 10K, Cash+ $9K Sam's Discover 10K, Freedom $6K, Zales $5.5K, More $5K, Cap one $5K, Barclay 2.5K, Household Plat $1.5K, Household Gold $1.5K, Credit One $1K, First Premier Plat $.675K First Premier Gold $.65K
Frequent Contributor
LionLaw
Posts: 258
Registered: ‎06-10-2012
0

Re: Left the Garden for Walmart how embarrassing is that

Nothing embarassing about getting a Walmart card.  That being said, the more you keep applying for new cards, the harder it's going to be to get a mortgage.  Stop apping and start paying down your balances.  If you've already been working with a loan officer on your mortgage, you might want to talk to him or her about the effect that all this new credit will have on your application. 

 

Getting approved feels great, especially if you're recovering from bad credit, but you have to keep your long-term goals in mind.


Starting Score: 617 (EQ 6/10/12)
Current Score (8/28/13): EQ: 691 EX: 706 TU: 700
Goal Score: 700

Discover it $4,500 (02/2001); Amex PRG (Backdated to 01/2006); Amex ZYNC (Backdated to 07/2006); Wells Fargo Cash Back Visa $5,500 (12/2011); Citi Diamond Preferred MC $2,000 (07/2012); B of A Cash Rewards Visa Signature $5,000 (02/2013)


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