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Frequent Contributor
atarvuzdar
Posts: 375
Registered: ‎01-20-2012
0

Re: Walmart Store Card

[ Edited ]

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.

Current: EQ 673 September2013 / TU 696 September2013 (Walmart)
Start: EQ 584 Feb2012 / TU 629 July2012

Wallet: BofA Cash Rewards Visa Sig $5000 / Lowe's $6000 / JCP $3900 / eBay MC $3200 / Barclaycard Rewards $2000 / Walmart $3300 / CapOne NHRC $2000 / CapOne Platinum #1 $2000 / Amazon $1700 / Discover It $1000 / CapOne Platinum #2 (former Orchard) $750 / Amex Zync $500 Autopay
Contributor
JWest
Posts: 120
Registered: ‎03-30-2012
0

Re: Walmart Store Card

After approval does it really take the 7-10 days to receive the card?
Established Contributor
JonStur
Posts: 905
Registered: ‎12-25-2010
0

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

BCE $12.5K, 5/3 Sig $10K, Wally Discover 10K, Cash+ $9K Sam's Discover 10K, Freedom $6K, Zales $5.5K, More $5K, Cap one $5K, Barclay 2.5K, Household Plat $1.5K, Household Gold $1.5K, Credit One $1K, First Premier Plat $.675K First Premier Gold $.65K
Valued Member
memorysketch
Posts: 70
Registered: ‎12-13-2012
0

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! :smileyvery-happy:


Regular Contributor
Guyatthebeach
Posts: 212
Registered: ‎09-04-2012
0

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.

New Contributor
mcf
Posts: 355
Registered: ‎02-25-2013
0

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:Walmart TU 686, MyFico EQ 630, Credit Sesame 649, CK 636Current Score: 689 TU/Walmart CK 645 Goal Score:700 CLUB
Last HP:5/21/13Take the myFICO Fitness Challenge
Contributor
JWest
Posts: 120
Registered: ‎03-30-2012
0

Re: Walmart Store Card

Thanks guys for all the helpful advice

Valued Contributor
dddewdrop
Posts: 1,060
Registered: ‎02-06-2013
0

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...

0/10001100/13001346/16001699/2000Prepaid ,,Recent scores:FICO EX 632,EQ 635,TU 632...Link to my Rebuild Log
Regular Contributor
Give_Me_Credit_Please
Posts: 239
Registered: ‎12-11-2012
0

Re: Walmart Store Card

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


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