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Walmart Store Card

Frequent Contributor

Re: Walmart Store Card


Give_Me_Credit_Please wrote:

I really don't think approvals go by score but more about the content of your CR, it seems like Walmart and store cards are inconsistant on their approvals. You can be in the 500's with good history and get approve versus 600's with slow pay or baddies and get denied. So scores don't make much of a big difference as long as your content meets their standards.


There are certainly some triggers that freak out the automated system for applicants with higher scores. Those same triggers are most likely not present on the reports of applicants in the 500s.  Therefore, I somewhat agree with this statement. Though I'm not certain it's possible to have a score in the 500's with good history, per se. There has to be some sort of not-so-clean information on a CR to have a 500-599, I would imagine.

Citi Double Cash $16,600 / BofA Cash Rewards Visa Sig $11,000 / Barclaycard Rewards $8,900 / CapOne Platinum $7,450 / BofA BankAmericard Visa $6,500 / eBay MC $5,800 / Discover It $5,000 / Chase Freedom $1,500 / Lowe's $8,500 / JCP MC $6,500 / Walmart $5,000 / Amazon $4,100
Regular Contributor

Re: Walmart Store Card

After approval does it really take the 7-10 days to receive the card?
Established Contributor

Re: Walmart Store Card

Yea, generally if your approved and your scores are under 700 you'll get the store version. With moderate use and maintain a score over say 710 or so, there is a good chance that you will be upgraded. But it normally takes at least a year and a half at that level.

Starting Score: TU 686 EX 641 EQ 690
Current Score: TU 779 EX 767 EQ 740
Goal Score: 800 Club

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Valued Member

Re: Walmart Store Card


JWest wrote:
After approval does it really take the 7-10 days to receive the card?

Yes. You can usually use it online before then, though.


Started: 581 (October 2012 ) ♥ Walmart MyFico: 622 (May 2013)
First Goal: 650 (reached April 2013) ♥ Current Goal: 700 (Jan 2014)
Currently in the garden! App free 'till November 2013! Smiley Very Happy


Established Contributor

Re: Walmart Store Card

I was approved for $300 last month with a 646 TU. I was very surprised because I burned in my bankrupcty, discharged in 2/12. My card arrived exactly 7 days after I applied for it. I like getting my TU score every month.

Contributor

Re: Walmart Store Card

@jwest congrats on your wallycard, remember GE luvs you, But you gotta love them first! Every GE card ive gotten has got awesome luv on the cli, but never late always use a lil and PIF or carry a small balance in some months..at least has worked for me.

Starting Score:567Walmart TU 701, Credit Sesame 722, credit secure 701 credit karma 694Last Score: 689 TU/Walmart CK 645 Goal Score:800 CLUB
Last HP:2/2015 Util:9% CL:82KTake the myFICO Fitness Challenge
Regular Contributor

Re: Walmart Store Card

Thanks guys for all the helpful advice

Valued Contributor

Re: Walmart Store Card

    It is easier to get a Discover IT card than a Walmart Discover card and the benefits of the regular Discover are way better except for the free FICO score...

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Regular Contributor

Re: Walmart Store Card

Yes I agree with you. Automated system has a criteria to pass.