Received a pre approval offer in the mail for a Walmart Credit Card.

[Anonymous]

I call the number on the letter and the lady i spoke too after i gave her the pre approved number on the lettet told me that i was approved for the card. And that i will received it within 7-10 business days. She would not tell me my credit limit. Is this a decent card to have?

[kjm79]

It'll get you a FREE TU FICO score every month, so I say yes no matter your limit or whether you use it or not.  There's no annua fee.  GEMB is pretty good with CLI's.  And if I recall correctly, purchased over a certain amount can qulaify for 0% interest promotions.  And did I mention the FREE TU FICO score?

[Anonymous]

Thank you for the information. I will see how things will go with the Walmat card when i receive it.

[Creditaddict]

and don't forget the up to $40 cash back at checkout that is treated as part of your purchase vs cash advance or anything the bank will frown on... and of course use at Sams Club also.

[Anonymous]

It's good to* have it.

[Prettylady1]

I love mine!!! However on my statement I have separate charges for interest on purchases and for cash advances and the only cash advance I ever got was at the register added to my purchase so be careful! I still love it though!

[coldnmn]

I love the card cash advance feature it saves me an ATM fee on my debit card. It is treated as a regular purchase though listed separate on the account. On my account I can get up to $60 per day up to $140 per month. I believe the Walmart Discover card is up to $100 per day and I don't know the monthly limit on it. On My Walmart  card it appears to be $20 per $100 of available credit as my limit is $700 for purchases. The free FiCo each month is just frosting on the cake.

[Anonymous]

Hmm, I received the same offer yesterday in the mail. Though, I shredded it. I figured it would be another $300-900ish card that wouldn't help that much overall. Maybe I jumped the gun a bit, and shoulda checked into it more.

The TU FICO mighta been worth it alone, oh well.

[Gotagoal]

I just called and gave my approval # to the lady and she said the same thing "congrats, you'll get your card in 7-10 days". 

When I asked for the CL, she said 600.  I don't know if that's good or bad, but I'm happy she told me.

I've been wanting a Walmart card, but I shouldn't because I'm paying down my card that have a high utilization, so I just want to sock drawer this after using it for gas and pay it off each month.  GEMB has been very good to me with various card (Gap , Chevron, Care Credit).

BURNING QUESTION:  How do I use it for a free TU credit report?  Is it really a TRUE FICO TU report?   

Thanks for your help.  This forum has helped me since 2007 and I'm forever grateful.

My true fico scores:

EQ  688

TU  690

[Gotagoal]

how does that cash back work?