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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 FICO SCORE 8: Equifax 605, TU 609, Experian 620, Bankruptcy November 9, 2011 (Discharge Date)
Rebuilding. In my wallet CAP1 @ $300 now $500 after 6 months, Cap1 @ $300, Synchrony/Old Navy, Walmart @ $200 Auto loan - $25K @ $490/month, school loan $20K, 4 hard inquiry
Goal Score: 700



Valued Contributor
Posts: 2,118
Registered: ‎06-16-2012
0

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.

gardening since 12/8/15
Moderator
Posts: 27,207
Registered: ‎09-13-2012
0

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
0

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 FICO SCORE 8: Equifax 605, TU 609, Experian 620, Bankruptcy November 9, 2011 (Discharge Date)
Rebuilding. In my wallet CAP1 @ $300 now $500 after 6 months, Cap1 @ $300, Synchrony/Old Navy, Walmart @ $200 Auto loan - $25K @ $490/month, school loan $20K, 4 hard inquiry
Goal Score: 700



Mega Contributor
Posts: 15,446
Registered: ‎04-09-2011
0

Re: Walmart Credit Card

CONGRATS!!!!



EQ FICO 548 3/3/16
Community Leader
Senior Contributor
Posts: 3,747
Registered: ‎07-12-2012
0

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 Smiley Happy Seems like 2yrs is a sweet spot for them.

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
730 EQ FICO 04/2016
732 TU FICO 04/2016
738 EX FICO 04/2016
$20k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $9k Barclay Arrival WEMC | $5.8k Cap1 Quicksilver | $10k Amazon Store | $11k Cap1 VentureOne | $7k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred
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 FICO SCORE 8: Equifax 605, TU 609, Experian 620, Bankruptcy November 9, 2011 (Discharge Date)
Rebuilding. In my wallet CAP1 @ $300 now $500 after 6 months, Cap1 @ $300, Synchrony/Old Navy, Walmart @ $200 Auto loan - $25K @ $490/month, school loan $20K, 4 hard inquiry
Goal Score: 700



Mega Contributor
Posts: 15,446
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 Smiley Happy 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.

 




EQ FICO 548 3/3/16
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. 

 

Smiley Happy


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