Should I apply for a Walmart Card with 1 Baddie?

[sccredit]

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@Anonymous wrote:

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@bigblue7722 wrote:

ive never had a walmart card before but i am not a huge fan of just store cards. When your trying to build your credit i think secured is the way to go.

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I never had a walmart becasue i refuse to do business with them. Ignoring store cards for someone trying to build/rebuild is just poor advice. My credit advisor advied to do 6 months on a secure card and then apply for a store card. Store cards are a lot easier to get. Store cards are also perfect if you need to buy something that qualifies for the interest free promotions. Make interest free minimum payments for a short period of time leaving extra to apply towards other things. No point in having a bunch of cash held up when there are unsecured options out there to free up your money.

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After 6 motnhs with a secured card you would be able to get a few other unsecured credit cards, CapOne, Possibly Barclays.  No reason to rely on store cards.  

[destine2grow]

I think you should apply for the Walmart card if yiubhave one baddie and you have a decent CS.

Although I am not happy with Walmart at the moment. One thing I would caution you on is they will place a hold on you payment and the funds can be on hold for 7-21 days. Walmart has done this to me with the first payment I made on my Walmart which was on 10/7. Also multiple payments will prompt a hold. I basically PIF. The payment was $423. I don't consider it a large payment but hey they do.

So now my plan is to use my Walmart cc sparingly and use my QS and Cash rewards when shopping at Walmart. I refuse to derive 20 min to make a cash/debit payment to avoid payment from being held.

[coldnmn]

It was the 3rd card in my rebuilding 3 1/2 years ago I started with a $700 store card. If you can use it I vote to go for it. Treated right it will grow.

[Anonymous]

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@destine2grow wrote:
I think you should apply for the Walmart card if yiubhave one baddie and you have a decent CS.

Although I am not happy with Walmart at the moment. One thing I would caution you on is they will place a hold on you payment and the funds can be on hold for 7-21 days. Walmart has done this to me with the first payment I made on my Walmart which was on 10/7. Also multiple payments will prompt a hold. I basically PIF. The payment was $423. I don't consider it a large payment but hey they do.

So now my plan is to use my Walmart cc sparingly and use my QS and Cash rewards when shopping at Walmart. I refuse to derive 20 min to make a cash/debit payment to avoid payment from being held.

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Wal mart did that to me on my first payment. The second payment with the same account went through in a day. The third payment with a different account was slow to credit, then the 4th payment with the same account went through in a day. I think it's just when you change to a new payment method or account for the first time. 

[Anonymous]

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@destine2grow wrote:
I think you should apply for the Walmart card if yiubhave one baddie and you have a decent CS.

Although I am not happy with Walmart at the moment. One thing I would caution you on is they will place a hold on you payment and the funds can be on hold for 7-21 days. Walmart has done this to me with the first payment I made on my Walmart which was on 10/7. Also multiple payments will prompt a hold. I basically PIF. The payment was $423. I don't consider it a large payment but hey they do.

So now my plan is to use my Walmart cc sparingly and use my QS and Cash rewards when shopping at Walmart. I refuse to derive 20 min to make a cash/debit payment to avoid payment from being held.

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They never did this to me.

It's paid by next day for me, always.

[DrDG]

Super helpful. Thank you so much.

[DrDG]

Good to know, thank you. 

[juggalo9er]

apply! you will be approved for 300-500

[Anonymous]

If you do get the bug to apply...Immediately call credit solutions and ask for 25k.

[DrDG]

25k? Really? Why so high? I mean, that would be awesome, but dont you think they'd reject me immediately???