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Valued Contributor
Posts: 1,998
Registered: ‎03-31-2008
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Re: Walmart Store Card


cartercorp wrote:
Well i have no ideal what choice a acct is. So i just called wal-mart csr and believe it or not they dont know either

 

Yeah so right allot of the time the CSR be clueless there just there to answer the phone lol

Starting Score 3-31-08: EQ 582 TU 577 EX 625
Current Score 3-19-10: EQ 703 TU 712 EX No Clue
Goal Score: 800 By January Of 2012


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Registered: ‎09-06-2008
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Re: Walmart Store Card


 

Is GE Money Bank any good? Are they stingy? Are they nice? Do you know how they are about CLIs or CLDs? I know absolutely nothing about them.


they are STINGY!!!  we have a mervyns card, & they won't give us a CLI no matter what.  stuck at $500 for the rest of our lives, i guess.

Latest scores: Walmart TU: 769. MyFICO TU: 769. DCU EQ: 755. MyFICO EQ: 780. PSECU EX: 756. MyFICO EX: 780.
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Registered: ‎04-24-2008
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Re: Walmart Store Card



Wonderin wrote:

The CL is $400 and it says "Type of Account: Choice A" -- does ANYONE know what that means?? Does "Choice A" define the type of credit (sub-prime, prime, average)???

Anyone know???

Choice A refers to the APR on the card.  The terms and conditions of the card have three tiered APRs.  The terms and conditions do not refer to A, B, C, but rather Premier, Preferred and Choice.  The terms and conditions can be found here.

 

Senior Contributor
Posts: 3,494
Registered: ‎05-25-2008

Re: Walmart Store Card


JayBeast wrote:


Wonderin wrote:

The CL is $400 and it says "Type of Account: Choice A" -- does ANYONE know what that means?? Does "Choice A" define the type of credit (sub-prime, prime, average)???

Anyone know???

Choice A refers to the APR on the card. The terms and conditions of the card have three tiered APRs. The terms and conditions do not refer to A, B, C, but rather Premier, Preferred and Choice. The terms and conditions can be found here.



Ah. So do I assume that DH got the "Choice Account" (since it said "Choice A") for 19.87%?

I'd assume that if his were "Premier" it might have said something to the effect of "Type of Account: Premier A?"

It never showed us exactly WHAT our APR was beyond the T&C page. Or at least if it did, we missed it. :/

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Hubby's FICOs when we started: high 400s (June 2008)
Hubby's FICO NOW (04/06/09): TU: 679 EQ: 608 EX: ???
My FICOs: TU: 643, EQ: 606
Closed on new home: 1/20/2009 -- If we can do it, YOU can do it!!

Senior Contributor
Posts: 3,494
Registered: ‎05-25-2008

Re: Walmart Store Card

Just got an alert from TrueCredit -- Walmart pulled TU only (so far -- who knows what it will say by Tuesday!!).

Least that explains how DH qualified for it ... TU is his best FICO (@648)!!

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Hubby's FICOs when we started: high 400s (June 2008)
Hubby's FICO NOW (04/06/09): TU: 679 EQ: 608 EX: ???
My FICOs: TU: 643, EQ: 606
Closed on new home: 1/20/2009 -- If we can do it, YOU can do it!!

Regular Contributor
Posts: 231
Registered: ‎04-26-2008
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Re: Walmart Store Card

Hey Wonderin, do you know if Wal-Mart pulls different CR for different people?  I just applied and they only pulled EQ.  I'm happy about that 'cause that's my highest FICO score.  But I didn't get an instant approval.  Do they do those? 
11/2013 FICO: 517 (TU), 560 (EX), 539 (EQ)
11/2013 FAKO: 593 (TU), 591 (EX), 595 (EQ)
Valued Contributor
Posts: 1,998
Registered: ‎03-31-2008
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Re: Walmart Store Card


Wonderin wrote:
Just got an alert from TrueCredit -- Walmart pulled TU only (so far -- who knows what it will say by Tuesday!!).

Least that explains how DH qualified for it ... TU is his best FICO (@648)!!

 

That's weird i guess u where in that 1%

Starting Score 3-31-08: EQ 582 TU 577 EX 625
Current Score 3-19-10: EQ 703 TU 712 EX No Clue
Goal Score: 800 By January Of 2012


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Valued Contributor
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Re: Walmart Store Card


almost_there wrote:
Hey Wonderin, do you know if Wal-Mart pulls different CR for different people? 

I wouldn't say different people in different areas they may pull from  different CRA.


Starting Score 3-31-08: EQ 582 TU 577 EX 625
Current Score 3-19-10: EQ 703 TU 712 EX No Clue
Goal Score: 800 By January Of 2012


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Regular Contributor
Posts: 231
Registered: ‎04-26-2008
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Re: Walmart Store Card


almost_there wrote:
Hey Wonderin, do you know if Wal-Mart pulls different CR for different people? 

I wouldn't say different people in different areas they may pull from  different CRA.

 

Oh, okay.  Thanks, but since I didn't get instant approval, should I figure I've been denied? 

11/2013 FICO: 517 (TU), 560 (EX), 539 (EQ)
11/2013 FAKO: 593 (TU), 591 (EX), 595 (EQ)
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Epic Contributor
Posts: 28,098
Registered: ‎04-01-2007

Re: Walmart Store Card

Walmart is infamous for going into limbo if there is some part of your ID they can't confirm. They won't tell you this, and by the time you figure it out, they say it's too late, and you have to re-apply.

I would call and ask if there is some info they need from you. Among other things, I remember that they will deny if you use a cell phone number or something silly like that.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007

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