Credit Cards Center Credit cards from our partners
New Contributor
Posts: 61
Registered: ‎09-03-2012

Walmart card and TU FICO question.

I hear a lot of posters on these boards comment about the Walmart card and free TU fico scores every month. Sorry to sound so uninformed but is this a true TU FICO or is it one of those FAKO scores that uses an alternative scoring system. I would love to have the free TU score every month. I shop at Wallyworld every week and my wife and I rack up between 60-100 dollars every time we shop for our family. I'm just wondering if it's worth the hard pull and possibly the toy limit that I will get. Also, I'm not sure if I'll get approved as I'm only 1 year out of bk7 with lots of inquiries on TU, personal income is at around 80,000 and credit scores in the 660-680 range. Utilization is at 6%. I'm supposed to be gardening till next year....grrrrrrr. It looks like theres a special promo on right now also where you can get 18 months of interest free financing on purchases over 400 dollars. The offer ends Nov. 30th. I've looked on all of the credit pulls databases and people with similar scores than me and have a bk7 on their record have gotten small initial credit limits. Don't know what I should do....I'm going there tonight to do some late night grocery shopping. Any advice would be helpful. Thanks everyone.

Established Contributor
Posts: 553
Registered: ‎02-14-2012

Re: Walmart card and TU FICO question.

Yup, it's the real deal!! Smiley Happy

AmEx Platinum | AmEx BCP | AmEx Delta Gold | CSP | Chase Freedom | NFCU cashRewards Visa Sig | NFCU Plat MC | WM MC | Discover it | JCP

New Contributor
Posts: 61
Registered: ‎09-03-2012

Re: Walmart card and TU FICO question.

So against my better judgement, I went and applied for the card before I went to go buy groceries in the electronics department. I made up some bogus story to the cashier that I wanted to buy a TV and wanted to take advantage of the 0% for 18 months promotion. About two-thirds of the way through the application process, I began to have doubts as to whether this a was a good idea and if it was worth it with the inquiry on my report if I got declined; all for a free TU score every month. To make matters worse, a line was forming behind me and was about 7 people deep. This would be an epic fail if I got declined. I heard a gentleman in the back mumble something about how he got declined a few weeks ago for one when he tried to buy a laptop and I immediately started sweating for some reason. When the receipt popped out the cashier had a weird look on his face and I thought to myself, oh great I'm gonna hear I got denied in front of a bunch of people. Then I heard him say that I got approved and showed me the receipt and provided me with some pamphlets and mentioned something about how the temporary limit could only be used at this store and was only good for 2 days. I walked away as quick as could to see what kind of ridiculous toy limit I got approved for. When I looked at the receipt my eyes only saw a 100 and I thought... what the hell did I just do. But upon closer inspection, there was a 2 in front of the 100 and the credit limit was $2100!!!! I nearly soiled myself. I wonder if I can recon a higher limit in the morning. That is the strangest number I've ever been approved for. I'm wondering if the fact that I told the cashier the bogus story of how I wanted to buy a 1900 dollar tv played a part in the credit limit. Oh well, I'll take it. This is my first GE card. I'm still in shock.

Regular Contributor
Posts: 137
Registered: ‎10-12-2012

Congratulations! I know how you felt. Been in the same si...

Congratulations! I know how you felt. Been in the same situation b4. Good that you pulled through.

FICO Scores 8: EX 731, EQ 731, TU 725

Credit Cards: Chase Freedom 9.5K | AMEX TrueEarnings 4.5K | Cap1 Venture Visa 3.5K | Cap1 QS MC 3.5K | Discover IT 1K | Cap1 Spark Cash 15K | AMEX SimplyCash 9K

Store: PayPal SmartConnect 10K | JCP 5.2K | Banana 3.3K | Walmart 4.5K | Kohls 1.5K | TargetRED 200
Established Contributor
Posts: 657
Registered: ‎06-27-2012

Re: Walmart card and TU FICO question.

Congrats, GE grows with you so it'll get up there in no time.


BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
Posts: 13,897
Registered: ‎04-15-2011

Re: Walmart card and TU FICO question.

Not a bad starting limit!!!!   Congrats!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011

Re: Walmart card and TU FICO question.

Did it say whether you got the WM store card or the Discover?? YMMV but people who get approved for 2K and above have a good shot at the discover.

Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Established Contributor
Posts: 1,837
Registered: ‎08-20-2012

Re: Walmart card and TU FICO question.


Valued Contributor
Posts: 1,432
Registered: ‎01-14-2009

Re: Walmart card and TU FICO question.

Yes, you can recon for a higher credit limit. I did, went from 1,300 to 10,000.

See my thread:
Established Contributor
Posts: 869
Registered: ‎07-04-2012

Re: Walmart card and TU FICO question.

Congrats on the limit! Very nice and shocking indeed Smiley Happy

Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |

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.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of 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. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on 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.