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Frequent Contributor
codimom
Posts: 270
Registered: ‎09-08-2010

Re: Walmart CC?

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‎10-25-2012 12:10 PM

Your all over util is low, but you are closed to maxed on that one card. I'd pay it down quite a bit before you apply... and I'd also pound away at that balance because May will sneak up on you faster than you think...and then interest would bounce back from the beginning of the charge... (been there, done that.)


Back in the garden!
App free since 23Oct2012



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heathuhhhhwebbbb
Posts: 153
Registered: ‎10-18-2012

Re: Walmart CC?

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‎10-25-2012 12:12 PM

Oh I know!  LOL, I've started paying $300 on it every month, so it'll be paid off before then.  :smileyhappy: If anything does happen, I get a bonus check in December as well. 

Chase Freedom, Capital One Plat., Capital One Cash Rewards, Barclays Mastercard, Davids Bridal, Jared, GE Luxury, Wells Fargo Plat.

11/10/2012: TU FICO 683, EQ FICO 616, EX PLUS 692. No apps until May 2013!
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Frequent Contributor
codimom
Posts: 270
Registered: ‎09-08-2010

Re: Walmart CC?

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‎10-25-2012 12:14 PM

hard (read: expensive) lesson.  I'd also go ahead and pay off that 200 balance if you can...


Back in the garden!
App free since 23Oct2012



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

Re: Walmart CC?

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‎10-25-2012 12:18 PM

I went ahead and pulled the trigger health, got approved for $600.  Applied online, had to call in to answer the verification questions, got the decision as soon as those were answered.  Very pleased.

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
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Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011

Re: Walmart CC?

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‎10-25-2012 12:45 PM

They pull transunion almost exclusively. In Florida 95% will pull EQ and GE still pulls TU here.


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
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