04-15-2012 12:04 AM
04-15-2012 12:09 AM
I usually say no but Walmart gets a lot of feedback on apps not verifying out online and being declined and people going into store and then instant approval.
I applied online and had no issues
Dillards is also one, I think if you get approved Amex version in store, it starts at instant $1500 but then gets manual review, When I got it online I was given an instant line that didn't look like it got manual reviewed, started at $2200.
Otherwise I say doens't matter... but be ready for those mutliple choice questions and some don't make exact sense so people say no match but really it was.
04-15-2012 12:28 AM
04-15-2012 12:51 AM
04-15-2012 09:30 AM
04-15-2012 10:19 AM
So there is no difference with Walmart if I go into the store or apply online? Maybe I will wait until Monday to apply online if there are any complications and I can just speak to a rep.
There is a difference. The difference is not with the opening\starting CL. The difference is being approved at all. In store, there is not chance of a problem with them being able to verify your identity. Online, that problem becomes a very real possibility and trying to resolve it with a rep over the phone would be a lot like performing your own dental work..... as far as a successful positive outcome is concerned that is.
It's also better to apply in store (for any card) being it somewhat proves you actually go IN there, the tend to like that lol. As for the starting CL, first one must worry about being approved at all.
04-15-2012 10:35 AM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.