09-15-2012 07:14 AM
We don't have a WalMart cc. I'm tempted because of being able to get the TU FICO. I could then cancel the TU Quarterly Monitoring we do here through MyFICO.
Question...is the FICO just for the main cardholder if it is an individual? Can an AU see their FICO? What if my husband and I apply jointly...do we BOTH get to see our FICOs?
I would appreciate any advice on the logistics of this. Also...better to app in store or online?
09-15-2012 07:17 AM - edited 09-15-2012 07:19 AM
AUs cannot see their scores. AUs don't get their own online accounts or anything, they get a card, and then the PCH just has to pay the bill
Store or Online: IMO Better to open in store (not any real benefit approval wise, except maybe being able to verify your identity) but if you open and charge a purchase of $100+ you will get $20 off. To do this after apping online, you have to link the application to a walmart account, and you'll be given a temporary account number, and you have to make the purchase online afaik.
09-15-2012 07:37 AM
You will see it with both of them, but you don't choose which to app for. You basically app for both.
You send in one app, they attempt to give you a WM Discover, if they can't they attempt to give you WM Store card, and then if they can't do that you're denied.
from what I've read most people will usually see an upgrade from a WM to WM Discover within 1-2 years if you keep your account in good standing
09-15-2012 08:44 AM