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Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
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Walmart - Paypal - Target

With my scores (TU 672, EQ 635 and FAKO EX USAA - 661/ CS - 712) and only negatives (lates - most recent March this year...none since) and one paid CO from 2009, which one of these cards would be best for me to apply to?  I want want that will pull TU.

 

Thanks,

 

 

Duncan



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Established Contributor
Posts: 697
Registered: ‎03-16-2012
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Re: Walmart - Paypal - Target

I would say walmart, paypal or any gemb backed store cards.... they approved me when i had 4 collections and 5-6 negatives


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



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Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
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Re: Walmart - Paypal - Target

1. Which one of the three is the most easy to obtain:

 

Walmart, Paypal or Target?

 

2. With Paypal and the option to get store card if declined for Mastercard, is that a good choice (i.e. less risk of outright denial?)

3. Which one would grow most with me? I cant see me using Paypal other than for rebuild.

 

 

Thanks,

 

 

Duncan

 

 



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Contributor
Posts: 96
Registered: ‎06-24-2012
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Re: Walmart - Paypal - Target

With Paypal smart connect you can link it to your paypal debit card, which makes it just like a credit card.

Zync NPSL, BCP ($2000), Chase United ($2000) Chase Amazon ($1500), Chase Freedom ($3000), Discover More ($2000), Paypal Extras ($5000), Citi Forward ($2000), Orchard $2000, Amazon ($5000)
Pre-App Scores: TU98 779, TU04 797, EQ 682, EX 788 (Amex) 8/12
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
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Re: Walmart - Paypal - Target

Will Paypal smart connect ever upgrade to their MC?



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Established Contributor
Posts: 697
Registered: ‎03-16-2012
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Re: Walmart - Paypal - Target


Duncanrr wrote:

1. Which one of the three is the most easy to obtain:

 

Walmart, Paypal or Target?

 

2. With Paypal and the option to get store card if declined for Mastercard, is that a good choice (i.e. less risk of outright denial?)

3. Which one would grow most with me? I cant see me using Paypal other than for rebuild.

 

 

Thanks,

 

 

Duncan

 

 


I dont have a target card but i do have a walmart that auto increased from $500 to $900 in only two statements... Im sure paypal is good with cli too..i believe gemb cards increase every 4 months.... 


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



Frequent Contributor
Posts: 437
Registered: ‎03-19-2010
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Re: Walmart - Paypal - Target

[ Edited ]

Go with Walmart. Stay far away from Target unless you enjoy $200-$300 limits and no credit increases.

Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
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Re: Walmart - Paypal - Target

Apply in-store or online?


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Super Contributor
Posts: 5,877
Registered: ‎12-11-2011
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Re: Walmart - Paypal - Target

I app'd walmart online about a week after my smart connect. I app'd for paypal MC, got $500 SC (with 10 inquiries on my report) and then app'd walmart online and got instant approval for $500 with 11 inquiries on my report. Only benefit of app'ing in store for walmart is if you get approved (while making a purchase of $100+ ) you will immediately get $20 off of your purchase if you put it on your walmart card. 

;
Regular Contributor
Posts: 237
Registered: ‎07-13-2012
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Re: Walmart - Paypal - Target

Thing that sucks about applying in the store, if you get denied and was buying the $100+ to save 20% then you either end up buying it all or having to say "put it back" Smiley Happy  I'm going to apply online. I believe you still get the discount if you do that?

EX 638 (Lender 9/1) TA 650(Walmart 9/1) EQ 655 (FICO - 9/17)
Goal - 700 Club in '13!!!

My Wallet - Cap 1 - $300. Cap 1 - $750. Orchard - $950.
New as of 8/29 - Target - $3000. Barclay's - $2000. Merrick - $1000. Walmart $600. And as of 9/22 - JCP $200.
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† 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.

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