Reply
Valued Contributor
Posts: 2,691
Registered: ‎09-26-2011
0

Re: Walmart Gave Me 2 Cards...

...or just leave it open.

 

What's the harm in having the second account sitting there?

Current Scores: EX: 615, TU08: 639, EQ: 607. 04/01/2015.

Zero percent financing is where the devil lives...
Frequent Contributor
Posts: 419
Registered: ‎03-05-2012
0

Re: Walmart Gave Me 2 Cards...


bichonmom wrote:

ctb89 wrote:

Well, I guess I should have kept my mouth shut. I got the second card with a different account number that matched the second TL reporting on my CR. I call in and they tell me they can't merge the credit lines but they can cancel one. I asked to speak with a supervisor. He was much more helpful and saw that there were two duplicate applications and only one hard INQ (the dead giveaway that they screwed up and I did not double app). But he said they couldn't merge the CLs because I was only approved for the original amount and that because it's a duplicate application in their system, he would be required to close one of the accounts.

 

So, my AAoA will get a small boost but my available credit will go down.



Closing an acct doesn't mean that it's not going to report to your CR. It could be reported as opened and closed, and will remain on your CR for 10 years. In which case, your AAoA will take a hit. You should ask them to remove the second TL from your CR entirely, since it was *their* error. That way your AAoA won't be dinged.

 

 


This is what I did. I told him that if he had to close the account, I requested that the entire TL be deleted because they made the error. He said he understood and that he could submit the request for deletion to the CRAs. This was the whole point of the call since I didn't just want to close it.

Frequent Contributor
Posts: 419
Registered: ‎03-05-2012
0

Re: Walmart Gave Me 2 Cards...


tcbofade wrote:

...or just leave it open.

 

What's the harm in having the second account sitting there?


Well, there wasn't any harm. I wanted to have the CLs combined into one fat limit. But this is what I get for being the squeaky wheel. After he noticed the duplicate, he told me that we was required to close one of them. I didn't have a choice.

Senior Contributor
Posts: 3,322
Registered: ‎05-05-2011
0

Re: Walmart Gave Me 2 Cards...

Great move! I hadn't realized that from your post. Smiley Happy

 

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: Walmart Gave Me 2 Cards...


ctb89 wrote:

tcbofade wrote:

...or just leave it open.

 

What's the harm in having the second account sitting there?


Well, there wasn't any harm. I wanted to have the CLs combined into one fat limit. But this is what I get for being the squeaky wheel. After he noticed the duplicate, he told me that we was required to close one of them. I didn't have a choice.


Smiley Sad

 

That sucks!




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
Frequent Contributor
Posts: 419
Registered: ‎03-05-2012
0

Re: Walmart Gave Me 2 Cards...

Yeah I'm kinda pissed that I called in now. My AAoA barely took a hit and I lose the TL and my UTIL goes up. Smiley Sad

Highlighted
Frequent Contributor
Posts: 374
Registered: ‎03-26-2010
0

Re: Walmart Gave Me 2 Cards...

Walmart gave me 2 accounts as well.

 

I dont want 2 walmart cards.

 

Should I call?

 

Do nothing and let the second one just sit there?

 

A Discover Walmart would be nice

Capital One QuicksilverOne MC| MTV Visa | Sony Visa | NFL Visa | ebay MC | Best Buy MC | Credit One Visa | JCP | Kohl's| Conoco | Bloomingdale's | Lowe's | CareCredit | Firestone | Walmart | Academy Sports Visa | Macy's | Target | Amazon | Gap | Norstrom | PepBoys | Von Maur
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.