Credit Cards

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Established Member
Homeownerin2013
Posts: 36
Registered: ‎07-30-2012

Re: Walmart Credit Card

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‎08-07-2012 12:46 PM

Really, really wanted this card but got declined :smileysad: Scores in siggy...

Starting Score: 594 (Equifax FICO 7/30/12) 622 (Transunion FICO 7/30/12) 608 (Experian Lender Pull)
Current Score: 747 (EQ) 695 (TU) ? (EX)

Goal Score: 700s in all 3 bureaus

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Regular Contributor
sewmuchdebt
Posts: 162
Registered: ‎05-14-2009

Re: Walmart Credit Card

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‎08-07-2012 12:53 PM

i just sneaked out of the garden to app for this card. they gave me 500.00 to start. can i sneak back in the garden now?

Starting Score: EQ 505 jul09
Current Score: EQ 702 TU 693 EX 692 apr12
Goal Score: 700+

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Frequent Contributor
Jlu
Posts: 460
Registered: ‎06-12-2012

Re: Walmart Credit Card

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‎08-07-2012 12:59 PM

Not without a big nasty inquiry and a dent in your sense of willpower :smileyhappy:

Wallet: JP Morgan Select Visa Signature $9000 | Chase Sapphire Preferred $5000 | Chase Freedom Visa $2000 | Barclaycard Visa $3000 | Discover More $1500 | Capital One Platinum Mastercard $750 | Bank of America Cash Rewards Visa $500 | Walmart Store $950 | Amazon Store $5000 | AMEX Zync (AU) NPSL | Chase Total Checking | RIP: First Premier Mastercard
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Established Contributor
j_casteel
Posts: 1,002
Registered: ‎06-21-2012

Re: Walmart Credit Card

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‎08-07-2012 01:21 PM

Jlu wrote:

BOOM

 

thats weird it said the same thing for me as well.....(my name's John)

 

| AMEX Zync PSL | Walmart $900 | Cap1 Green $1.5k | Amazon $1k | NFCU Visa Sig $10k | NavChek $15k | NFCU Platinum MC $2k | Lowe's $1.2k |
Starting Score:TU:597 EQ:571 7/5/12 (joined myFICO & SW)
Current Score: EQ:653 (ScoreWatch) EX:685 (Amex app) TU:681 (Walmart)
Goal Score: 700
Proud to say that ALL past due debt has been paid and I never declared BK!!
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Contributor
tboy1977
Posts: 221
Registered: ‎07-11-2012

Re: Walmart Credit Card

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‎08-07-2012 02:29 PM

I'm jealous.  I called the backdoor number and was told they do not recon at all.  I WANT THIS CARD!!  I don't care if the limit is $100, I want the card!  I actually will get gas there, unlike the Target which literally is just a spot in my wallet.

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

Re: Walmart Credit Card

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‎08-07-2012 02:30 PM

If someone knows how to do the recon, please share.  PLEASE, PRETTY PLEASE

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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Valued Contributor
jsucool76
Posts: 2,629
Registered: ‎12-11-2011

Re: Walmart Credit Card

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‎08-07-2012 03:54 PM

tboy1977 wrote:

If someone knows how to do the recon, please share.  PLEASE, PRETTY PLEASE

I've heard that GECRB doesn't do recons pretty much except for extenuating circumstances. 

Wallet: Capital One Cash Rewards 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 1286CL, Walmart: 1300CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 1000CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL
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Contributor
tboy1977
Posts: 221
Registered: ‎07-11-2012

Re: Walmart Credit Card

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‎08-07-2012 05:20 PM

Declined with THOSE scores?  Wow......What type of scoring system do they use.  Multiple people with far lesser scores have gotten approved.

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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Regular Contributor
doc101
Posts: 114
Registered: ‎11-27-2011

Re: Walmart Credit Card

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‎08-07-2012 06:46 PM

Applied for a Walmart card today.......got the "you will receive our decision in the mail within 5-7 days"  I'm sure that means I was denied

Starting Score: 543
Current Score: 612
Goal Score: 650

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Regular Contributor
luckelle
Posts: 168
Registered: ‎12-05-2007

Re: Walmart Credit Card

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‎08-07-2012 11:40 PM

WTH! got the amazon card and yhe walmart card in two days. wow with my scores. I have my three cards know with my AU card i can now garden in peace with 3CC's. Question do the 2 cards report to all three CRA's? Please say they do

Starting Score: 5/2012 TU 595, EQ 565, EX fako 547
Current Score:as of 9/2012, TU 626,Walmart 612, EQ 600, EX fako 623
Goal Score: 640 by dec 2013
BofA Au 13000, Amazon 600, Capt1 300, Walmart 150
When all else fails pay it!
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