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New Contributor
ds3
Posts: 67
Registered: ‎10-02-2012

Re: WalMart Approval

Thanks all, I feel good about it. I applied online and was approved immediately. My wife applied right after me and was approved for $500. It's just nice to be able to get credit again after the mess of the past 5 years. Just got a $33k car loan through VW Credit a couple of weeks ago at a decent rate, so things are defintely getting better.

Valued Contributor
chnceit
Posts: 1,198
Registered: ‎08-17-2008

Re: WalMart Approval

Congrats! I want a wally too, I really want the free TU Fico, but need to garden

$100K in Credit
Last App: 01/09/13
Frequent Contributor
VirtualCuriosity
Posts: 355
Registered: ‎09-10-2010

Re: WalMart Approval

Congrats.  I also just applied online literally 15 minutes ago.  Instant approval for 700 with 635ish scores.  Now to search the site here regarding the monthly TU that is supposed to be a bonus. 

    
TU98 673, TU08 665, EQ 654, EX 673 (As of 3/10/13) - Personal Goal = 740

Gardening since 3-17-13

Frequent Contributor
wreith
Posts: 325
Registered: ‎06-13-2012

Re: WalMart Approval


VirtualCuriosity wrote:

Congrats.  I also just applied online literally 15 minutes ago.  Instant approval for 700 with 635ish scores.  Now to search the site here regarding the monthly TU that is supposed to be a bonus. 


All you have to do to get the free TU score is sigh up for paperless billing, then you'll be able to view your TU score.

03/07/2013 Walmart TU 702
03/07/2013 MyFico EQ 694
01/28/2013 USAA FAKO EX 728, EQ 715, TU 703
In my wallet Discover It $1200, USAA Cash Rewards AMEX $7K, USAA Rewards Platinum MC $7K, CareCredit $3K, Chase Freedom $1400, Walmart $2300, Lowes $800, HSN $1450, Macys Red Star Store $1800, Paypal smart connect $600, VS Angelcard $500, Amazon Store $1200, AMEX Green NPSL, BCE $1K.
Valued Contributor
09Lexie
Posts: 4,899
Registered: ‎09-13-2012

Re: WalMart Approval

love the free TU score!



Starting Score: 600's
Current Score: Exp Plus 743 04/13; 707 LP Discover 01/13 ; 733 05/13, 693 04/13, 703 03/13, 02/13, 702 TU WalMart 01/13; 702 EX LP 11/12; EQ 699 MyFico 01/13, EQ 699 11/12, CS 714 03/13
Goal Score: 800

Established Contributor
migliogiorni
Posts: 582
Registered: ‎06-27-2012

Re: WalMart Approval

congrats nice CC to grow with use it and watch it grow.

 

Dallas Cowboys Fan :smileyvery-happy:
Wally: 5k
BofA: 4.9k
Chase: 4k
Citi: 3.5k
JCP: 2.4k
DFS: 2k
Discover: 1.25 k
Valued Contributor
Jutz
Posts: 1,142
Registered: ‎05-10-2012

Re: WalMart Approval


ds3 wrote:

Thanks all, I feel good about it. I applied online and was approved immediately. My wife applied right after me and was approved for $500. It's just nice to be able to get credit again after the mess of the past 5 years. Just got a $33k car loan through VW Credit a couple of weeks ago at a decent rate, so things are defintely getting better.


Want to share the details of the car loan? It seems we're in a similar spot, I was just approved for WM card at $600 and interested in a VW albeit much less expensive. What were your scores, APR, downpayment, etc

Current: EQ FICO 664, TU FICO 683, EX FICO 698 | Starting Score: 525 (05/2012)

Starting total revolving credit: $1100 | Current total revolving credit: $7000

Inquiries (12 Months): EQ 3 TU 2 EX 2 | Most Recent: 1/8/2013


2013 Goals:
New Car
700 Club
AMEX Member

AMEX Gold NPSL
DCU Visa $2000
Cap1 Cash Rewards $2000
BOA Platinum $600
WalMart $800
New Contributor
ds3
Posts: 67
Registered: ‎10-02-2012

Re: WalMart Approval


Jutz wrote:

ds3 wrote:

Thanks all, I feel good about it. I applied online and was approved immediately. My wife applied right after me and was approved for $500. It's just nice to be able to get credit again after the mess of the past 5 years. Just got a $33k car loan through VW Credit a couple of weeks ago at a decent rate, so things are defintely getting better.


Want to share the details of the car loan? It seems we're in a similar spot, I was just approved for WM card at $600 and interested in a VW albeit much less expensive. What were your scores, APR, downpayment, etc


The first dealership I went to came back with EX at 617, and offered me 20.99 as the best they could do..um, no. Went to another dealer the next day, they get EX at 678 (auto-enhanced) and can get me 10.19...decide ok. The next day, my CU offers me 8.9...call the dealer and tell them to hold the deal, they get VW to go 7.9. Got $7200 for my trade, and bought a 2013 Passat TDI SEL. 7.9 is not fantastic, but I was prepared for 15%, so I'm happy with it, and I will refi it with my CU in a year.

Valued Contributor
Jutz
Posts: 1,142
Registered: ‎05-10-2012

Re: WalMart Approval

Very nice, appreciatethe info. Good to hear they pulled EX auto for VW credit too, assuming most VW dealers will pull the same. 

Current: EQ FICO 664, TU FICO 683, EX FICO 698 | Starting Score: 525 (05/2012)

Starting total revolving credit: $1100 | Current total revolving credit: $7000

Inquiries (12 Months): EQ 3 TU 2 EX 2 | Most Recent: 1/8/2013


2013 Goals:
New Car
700 Club
AMEX Member

AMEX Gold NPSL
DCU Visa $2000
Cap1 Cash Rewards $2000
BOA Platinum $600
WalMart $800
Frequent Contributor
brother7
Posts: 327
Registered: ‎02-06-2009

Re: WalMart Approval

I LOVE my new Walmart Discover card, mainly because of the monthly free TU FICO 08 score!

 

I was approved for only $500 because they pull TU. TU is my worst CR because I still have a lien reporting. Instead of disputing, I'm waiting until Oct, 2013 when it will fall off by itself. There's no lien on my EQ report, which is why my EQ is 90 points higher than TU. This time next year, I should see a nice jump in my TU score and thanks to my Walmart card, I get to see it for free :heart:


11/02/2012 Peak - EQ 790 (ScoreWatch FICO)
05/15/2013 Current - EQ 761 (ScoreWatch FICO)
GOAL - 800! - App free since 3/8/2013

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