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Valued Contributor
Posts: 2,971
Registered: ‎02-09-2012
0

Walmart Instant Approval

It's been quite sometime since I've experienced the pleasure that comes with instant approvals.

 

I decided that after successful removals of most of my derogs by way of GWs over the past month or so, that I wanted to try for a walmart card so that I can take advantage of the TU score.  I have no plans to purchase a home until at least my repo falls off, which is not for 2 more years, and I only have 3 INQs on my CRs.

 

So i app'd wallyworld yesterday morning, and whammo. Instant Approval.  I'm not exactly sure how excited one can get with the approval of a walmart store card or the small $400 CL they issued, but the fact that I was even approved is a great sign as to how my files have come, just since Feb.

 

Today the inq hit my TU file AND my TU FICO (from here) score went up 16 pts to 680.  I'll take it!

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!!!
Established Contributor
Posts: 1,002
Registered: ‎12-06-2011
0

Re: Walmart Instant Approval

 

congrats! now you're one step closer to getting a Discover CC! :smileyhappy:


Starting Score: 486 EQ, 529 TU, 518 EX 12/6/2011 (FICOS - lender pull)
Current Score: 595 EQ SW 1/10/13 628 TU08 1/10/2013 593 EX (BoA HP) 1/5/12
Goal Score: > 620
Take the FICO Fitness Challenge! | Diamond Spade Garden Club Member: App free since 7/2012
Regular Contributor
Posts: 565
Registered: ‎06-12-2010
0

Re: Walmart Instant Approval

Congrats and 2ne1 is correct.  I got a Walmart card and in 18 months they offered me an upgrade to a Walmart Discover card.  I cannot remember what my starting limit was, but it was definitely under 1000 (probably around 500) and next month my Walmart history is 2 years old and I have a Walmart Discover with 3500 CL. 

 

I would advise against carrying a balance on that card though, the high interest rate hurts.  I do take advantage of 0% offers when they come available and when I am carrying that balance I never use the card.  Not worth calling CS and debating on where to credit the payment over minimum.  Even though they claim that your entire payment over minimum goes to nonpromotional balance, it does not always work out like that.


Starting Score: 600ish in 2007
Highest Score to date: EQ 716 May 2012(lender pull)
Current Score: EQ 685 6-21-12 ; Walmart TU Fico 744 6-05-12
Goal Score: 801
Mega Contributor
Posts: 15,436
Registered: ‎04-09-2011
0

Re: Walmart Instant Approval


Repo-ed wrote:

It's been quite sometime since I've experienced the pleasure that comes with instant approvals.

 

I decided that after successful removals of most of my derogs by way of GWs over the past month or so, that I wanted to try for a walmart card so that I can take advantage of the TU score.  I have no plans to purchase a home until at least my repo falls off, which is not for 2 more years, and I only have 3 INQs on my CRs.

 

So i app'd wallyworld yesterday morning, and whammo. Instant Approval.  I'm not exactly sure how excited one can get with the approval of a walmart store card or the small $400 CL they issued, but the fact that I was even approved is a great sign as to how my files have come, just since Feb.

 

Today the inq hit my TU file AND my TU FICO (from here) score went up 16 pts to 680.  I'll take it!


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
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 Instant Approval


Repo-ed wrote:

It's been quite sometime since I've experienced the pleasure that comes with instant approvals.

 

I decided that after successful removals of most of my derogs by way of GWs over the past month or so, that I wanted to try for a walmart card so that I can take advantage of the TU score.  I have no plans to purchase a home until at least my repo falls off, which is not for 2 more years, and I only have 3 INQs on my CRs.

 

So i app'd wallyworld yesterday morning, and whammo. Instant Approval.  I'm not exactly sure how excited one can get with the approval of a walmart store card or the small $400 CL they issued, but the fact that I was even approved is a great sign as to how my files have come, just since Feb.

 

Today the inq hit my TU file AND my TU FICO (from here) score went up 16 pts to 680.  I'll take it!


Recon the CL. GE can give huge increases on recon.
Valued Contributor
Posts: 2,971
Registered: ‎02-09-2012
0

Re: Walmart Instant Approval


ctb89 wrote:

Repo-ed wrote:

It's been quite sometime since I've experienced the pleasure that comes with instant approvals.

 

I decided that after successful removals of most of my derogs by way of GWs over the past month or so, that I wanted to try for a walmart card so that I can take advantage of the TU score.  I have no plans to purchase a home until at least my repo falls off, which is not for 2 more years, and I only have 3 INQs on my CRs.

 

So i app'd wallyworld yesterday morning, and whammo. Instant Approval.  I'm not exactly sure how excited one can get with the approval of a walmart store card or the small $400 CL they issued, but the fact that I was even approved is a great sign as to how my files have come, just since Feb.

 

Today the inq hit my TU file AND my TU FICO (from here) score went up 16 pts to 680.  I'll take it!


Recon the CL. GE can give huge increases on recon.

I have only one other GE card and it only has a $1500 CL. I wonder if I call and recon and bring that up, if they would be willing to match?

 

 

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

Re: Walmart Instant Approval

I would recon the new card first and then try to get the existing card CLI'd to match.
Valued Contributor
Posts: 2,971
Registered: ‎02-09-2012
0

Re: Walmart Instant Approval


ctb89 wrote:
I would recon the new card first and then try to get the existing card CLI'd to match.


What is the length of time GE allows you to call in for CLIs?  Is it every 4 months?

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

Re: Walmart Instant Approval


Repo-ed wrote:

ctb89 wrote:
I would recon the new card first and then try to get the existing card CLI'd to match.


What is the length of time GE allows you to call in for CLIs?  Is it every 4 months?


Yes every 4 months.

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