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Established Member
Posts: 22
Registered: ‎12-07-2011
0

Walmart Credit Card

I got approved on store credit today. i think it's a store credti. It's saying $300 limit but I'm confuse if this

is only for online shopping. 

 

I applied online a month after I purchase a snow boots for $15.00 online.


Starting Score: 542 TU after bankruptcy November 9, 2011 (Discharge Date)
Current Score: 598 TU Rebuilding. In my wallet CAP1 @ $300 now $500 after 6 months, Orchard @ $300, WheelWorks/CFNA - $1200, GE/OldNayve&Walmart $300 Auto loan - $25K @ $490/month, FingerHut $150 BADDIES - HIGH UTI but no late fees, school loak $20K, 27 hard inquiry
Goal Score: 700



Starting Score: 455
Current Score: 550
Goal Score: 700


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Valued Contributor
Posts: 1,906
Registered: ‎06-16-2012
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Re: Walmart Credit Card


aissa_sf wrote:

I got approved on store credit today. i think it's a store credti. It's saying $300 limit but I'm confuse if this

is only for online shopping. 

 

I applied online a month after I purchase a snow boots for $15.00 online.


if you applied at the store you will eventually get the card in the mail in about 7 business days. The same card is used for online shopping at walmart.com.

Cards: (Chase x7) (Citi x6) (Amex x5) (BofA x3) (US Bank x4) (Barclays x4) (WF x3) (Cap1 x3) (Synch x3) (Penfed x2) ( Macys Amex) (Discover, Nasa ,Diners x1)





Moderator
Posts: 27,203
Registered: ‎09-13-2012
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Re: Walmart Credit Card


dodgerslv wrote:

aissa_sf wrote:

I got approved on store credit today. i think it's a store credti. It's saying $300 limit but I'm confuse if this

is only for online shopping. 

 

I applied online a month after I purchase a snow boots for $15.00 online.


if you applied at the store you will eventually get the card in the mail in about 7 business days. The same card is used for online shopping at walmart.com.


+1

 

Now off to the garden. Give your scores time to grow, get your util down, inq's to fall off and let your bk age. 

 

Walmart CL will grow and you will see an increase in your score. 

Established Contributor
Posts: 712
Registered: ‎06-11-2012
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Re: Walmart Credit Card

You can use it online and in the store.


DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 18000 - Chase Freedom VS: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Established Member
Posts: 22
Registered: ‎12-07-2011
0

Re: Walmart Credit Card

Thanks guys!!!


Starting Score: 542 TU after bankruptcy November 9, 2011 (Discharge Date)
Current Score: 598 TU Rebuilding. In my wallet CAP1 @ $300 now $500 after 6 months, Orchard @ $300, WheelWorks/CFNA - $1200, GE/OldNayve&Walmart $300 Auto loan - $25K @ $490/month, FingerHut $150 BADDIES - HIGH UTI but no late fees, school loak $20K, 27 hard inquiry
Goal Score: 700



Starting Score: 455
Current Score: 550
Goal Score: 700


Take the FICO Fitness Challenge
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: Walmart Credit Card

CONGRATS!!!!



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
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Valued Contributor
Posts: 1,905
Registered: ‎07-12-2012
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Re: Walmart Credit Card

Can I ask what type of BK you had? I am very interested in a Walmart card and trying to gather info while I wait to apply :smileyhappy: Seems like 2yrs is a sweet spot for them.

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
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Established Member
Posts: 22
Registered: ‎12-07-2011
0

Re: Walmart Credit Card

i think my BK is just because of repossession and other miscellaneous stuff.. no mortgage though and no major credit cards. tr5ying to avoid school loan payment and it was hard time for me. But you should be able to get approve. Try to do it online. I think with your credit score you'll be okay.


Starting Score: 542 TU after bankruptcy November 9, 2011 (Discharge Date)
Current Score: 598 TU Rebuilding. In my wallet CAP1 @ $300 now $500 after 6 months, Orchard @ $300, WheelWorks/CFNA - $1200, GE/OldNayve&Walmart $300 Auto loan - $25K @ $490/month, FingerHut $150 BADDIES - HIGH UTI but no late fees, school loak $20K, 27 hard inquiry
Goal Score: 700



Starting Score: 455
Current Score: 550
Goal Score: 700


Take the FICO Fitness Challenge
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: Walmart Credit Card


Scupra wrote:

Can I ask what type of BK you had? I am very interested in a Walmart card and trying to gather info while I wait to apply :smileyhappy: Seems like 2yrs is a sweet spot for them.


You may want to give it 6 more months to gain some more history on your current cards and raise your FICO some. GE is BK friendly but 620 is borderline for approval and a recent BK isn't helping.

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Established Contributor
Posts: 955
Registered: ‎02-02-2013
0

Re: Walmart Credit Card

+1 to the garden. 

Let those hard inquiries drop off while you work out the baddies. 

If you do and get both taken care of, by the time the inq fall away you should sitting pretty. 

Remember keep your util down so when you exit the garden you will not need to really buy the balances down. 

 

:smileyhappy:


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