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Established Contributor
CruzImperial
Posts: 869
Registered: ‎07-04-2012
0

Re: Walmart Credit Card

Damn. What is the reason for denial? Home Depot is baked by Citi. Before applying, it could be better if your scores increase to mid 600s.

I have found GE cards being the easiest to get (besides Cap, Credit and all the rebuilder cards)

Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
Established Contributor
kobe2012
Posts: 697
Registered: ‎03-16-2012
0

Re: Walmart Credit Card

[ Edited ]

tboy1977 wrote:

I applied and was DENIED!!  I was shocked considering I apped for Target (both cards are BK friendly) and while denied Oct 2011, was approved April 2012.  I may app for them again in Sept or October 2012 after I pay off my other cards.  I use Walmart a bit, but I'd rather have a gas card, AMEX, or Home Depot.



try again before december, you might get approve... i would think that target is harder to get.... but i guess, just wait it out for now.... i would recommend that you should apply when your scores are in the high 500's, your chances might be better ... my scores were in the very low 500's last year and i got approved for cap one unsecured with $300 limit.. after a year or less of good payment, a couple of collections pfd and new tradelines, my scores boosted 100+ points...


Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



Contributor
tboy1977
Posts: 221
Registered: ‎07-11-2012
0

Re: Walmart Credit Card

backed by Citi?  I'll never get it then.  I thought they were GE, where there is a chance.  Citi outside of secured, only deals with prime.  Walmart said:

 

HIGHEST RATIO OF REVOLVING BALANCE TO CREDIT LIMIT IS TOO HIGH
ACCOUNTS IN
COLLECTION OR 60 DAYS PAST DUE OR ADVERSE PUBLIC RECORDS
AVERAGE RATIO OF
REVOLVING BALANCES TO CREDIT LIMITS IS TOO HIGH
HIGH RATIO ACCOUNTS 30+ DAYS
PAST DUE TO ACCOUNTS OPENED 3+ MONTHS

 

Lalalala.  I have no open collections post-BK.  None of my accounts are past due.  The only thing I will agree on is my balances were up there because of my move to Atlanta.

Starting scores: EQ 420, EX 421, TU 405 (Jan 2011)
Bk Ch 7 Discharged Mar 2011
Current scores: EQ 456, EX 534, TU 411 (Aug 2012) FICO (8/2012 -- EQ 564, EX 584 (from BofA) TU 551)
Goal scores: EQ 700+, EX 700+, TU 700+

Credit accounts: 30% APR auto loan (Jan 2012), Secured [CapOne (3K), PNC (1300), NFCU (1K), Coke (2500)] and Target (200)
New Contributor
julio87
Posts: 65
Registered: ‎03-12-2010
0

Re: Walmart Credit Card

I would like to know if it easer to get approve if I apply online or go to the store to apply for the walmart?

Contributor
wealthcreator
Posts: 211
Registered: ‎07-02-2012
0

Re: Walmart Credit Card

I think online application will be easier.. Our got approved with 300CL

Walmart TU-724 on 12-2012
EX-707 on 08-2012
EQ-668on 08-2012
_________________________________
Wallet - Discover 1500 | Chase Freedom 1500 | OldNavy Visa 2750 | Walmart 2000 | Amex BCE 6000 | BoA Visa Sig 5000 | Chase Marriott 5000 | Amex Hhonor 2000 | CSP 5000
__________________________________________
Regular Contributor
doc101
Posts: 189
Registered: ‎11-27-2011
0

Re: Walmart Credit Card

When applying online, is there "instant approval" or the dreaded "you will be notified in 5-7 days?"


Starting Score:Equifax 543
Current Score:EQ665 TU 663 EXP625 updated 12/6/2014
Goal Score: 650


Take the myFICO Fitness Challenge
Frequent Contributor
iMacDrew
Posts: 350
Registered: ‎07-13-2012
0

Re: Walmart Credit Card

im a big fan of this card, mainly because of the TU08 fico score, but also because it is one of few cards that do soft pulls every 4 months for CLI. It helps a lot, i recently just got mine but if its anything like my milstar then it will be a great card to have. 

Lender pulled 10-10-13
EQ Fico 715 | EX Fico 714 | TU Fico 703
Valued Contributor
Repo-ed
Posts: 2,960
Registered: ‎02-09-2012
0

Re: Walmart Credit Card

Credit does not care if you apply in person, through mail, or online.

5/2012: 560 credit scores across the board and $500 secured CC
12/2014: 750+ scores across the board and $80k in revolving credit

Get those baddies removed!!!
Senior Contributor
jsucool76
Posts: 3,825
Registered: ‎12-11-2011
0

Re: Walmart Credit Card


doc101 wrote:

When applying online, is there "instant approval" or the dreaded "you will be notified in 5-7 days?"


I got an instant approval today. 

;
Contributor
tboy1977
Posts: 221
Registered: ‎07-11-2012
0

Re: Walmart Credit Card

I was denied and when I called they told me to check with TransUnion and wait sixty days.  I pulled my TU report and no collections.  But their denial letter said I have multiple accounts in collections and/or sixty or more says delinquent.  The only credit I've gotten since bankruptcy I've never been late on.  He finally told me to go to the store and apply in thirty days and if denied, they could pull the app and manually review.  But he couldn't do it then because the computer made its decision.  So I asked what's to stop them from telling me the same thing in the store.  I called a day after I applied, was told app denied wait for TransUnion.  Ordered TransUnion today and told wait and reapply in store then the underwriter can help......Target gave me a card.  What gives? 

Starting scores: EQ 420, EX 421, TU 405 (Jan 2011)
Bk Ch 7 Discharged Mar 2011
Current scores: EQ 456, EX 534, TU 411 (Aug 2012) FICO (8/2012 -- EQ 564, EX 584 (from BofA) TU 551)
Goal scores: EQ 700+, EX 700+, TU 700+

Credit accounts: 30% APR auto loan (Jan 2012), Secured [CapOne (3K), PNC (1300), NFCU (1K), Coke (2500)] and Target (200)

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