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Should I get Walmart card?

Frequent Contributor

Should I get Walmart card?

I want to get a walmart card since I shop there a lot and I want to build up my credit.

Currently I have 4 Credit Cards and I'm not using them a lot as I had high balance and i'm still paying them off. Here is the age history of the accounts and my scores with each bureau


Credit Bureau
EQ: 620s
TU: 620s
EX: 600s


Credit Card
Cap 1 since 1-2005: CL $1,000 BL $80
HSBC Since 10-2007: CL $1700 BL $1,200
DCU since 10-2007: CL $3000 BL $364
Juniper since 3-2008: CL $500 BL $0.00


Store Card
JB Robinson since 4-2008 CL $3,000 BL $0.00
Kay Jewelry since 4-2008 CL $3,000 BL $0.00

I know by opening an account with walmart would help my score now, but would I see any improvent in the next 12 months?
Message 1 of 7
6 REPLIES
Established Contributor

Re: Should I get Walmart card?

Walmart is a good store card to get especially if you shop there a lot. Don't apply online. Only apply at the register when you check out. Tell the cashier you want to get the card. They can approve you instantly and let you use your balance right then. I have been told it is easier to get approved this way because they don't pull the full credit report. Go for it.
Message 2 of 7
Frequent Contributor

Re: Should I get Walmart card?

Do you know where they pull from?
Message 3 of 7
Highlighted
Moderator Emeritus

Re: Should I get Walmart card?

Based on Walmarts historical opening limits, probably won't help uti much unless u luck up on the Discover. Depending on the rate on the C1 card, I'd use that one since C1 tends to reward usage.
Message 4 of 7
Senior Contributor

Re: Should I get Walmart card?



eddymvp wrote:
Do you know where they pull from?





They pulled TU on me. The WalMart card is issued by GEMB, who is a notorious TU puller.
Here we go again...
Message 5 of 7
Established Contributor

Re: Should I get Walmart card?

Pulled EQ on me for my online app a few days ago, I'm in TX... Naturally EQ is my worst score lol
Start 2/2008: TU 495 || EX 539 || EQ 528
Now 5/2013: TU 716 || EX ??? || EQ 702

Slate: $5000 Simplicity: $5000 David's Bridal: $3500 SW Chase: $3000 FNBO: $3000 Barclay NFL: $2500 BofA: $2400 Discover IT: $1700 Walmart: $1500 Victoria's Secret: $1000 Cap1: $750 Amex Zync: NPSL
(2 derogs to go until I'm squeaky clean in 2014!)
Message 6 of 7
Established Contributor

Re: Should I get Walmart card?

Nah, you shouldn't get a Wal-Mart card.
4/25: TU 793, EQ 791, EX ?
Goal: 800s by 12/09
Message 7 of 7