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New Contributor
Mellykca
Posts: 55
Registered: ‎12-28-2013
0

Walmart card?

[ Edited ]

I have really been considering pulling the trigger and applying for a Walmart card... but I am nervous about a denial and a wasted inq. What do you guys think? Do I have a shot? 

 

I hear they pull TU and that is currently 637 (it is my highest) 

I have 1 secured WF card with 600 limit 

I have 3 Comenity store cards   

My utilization is 6%

 

The bad: 

I have 1 inq 

1 co from some cell phone company in 2009 

Defaulted student loan in 2010 which has been paid   

 

Think I have a shot? If not, is there anything I do have a shot with that preferably pulls TU?  

 

Regular Contributor
HeilFico
Posts: 221
Registered: ‎02-03-2013
0

Re: Walmart card?

How much is the c/o for? I'd say you would get approved. Maybe with a smaller line. GE is great on CLI's so within 4 months you can request an increase. I think they are offering $25 off a $75 purchase the day you are approved. 

Regular Contributor
HeilFico
Posts: 221
Registered: ‎02-03-2013
0

Re: Walmart card?

I did a quick search and saw someone with a 622 get approved. They had several major derogatories. I'd say you are definitely good to go. Post back after being approved! :smileyhappy:

Established Contributor
shaun2009
Posts: 646
Registered: ‎03-07-2013
0

Re: Walmart card?

I think you have a great shot at getting it.. Maybe not the Discover version but the store card and then you can garden til you get the upgrade or keep the store version.. I myself when i applied originally was hoping for the store card version because i dont use the card anywhere else besides at Walmart so the store version would have been fine by me but they approved me for the Discover mehh rewards are Meh on this card i dont like it would not recommend anyone try either..
Current Credit Cards
| PayPal MC: $7.5K | WalMart MC: $7.5K | Discover IT: $6.5K | USB Platinum: $5K | Sams MC: $5K |
| CapitalOne QS: $1.3K | AmEx TrueEarnings: $1.2K | AFCU Rewards: $1K | USB Select: $1K |

Goal Credit Cards
CapitalOne QuickSilver, Discover IT, Sam's MasterCard
AmEx EveryDay, Chase Freedom, US Bank Cash+
Last Application: 6/23/2014
Epic Contributor
Creditaddict
Posts: 20,100
Registered: ‎10-23-2007
0

Re: Walmart card?


Mellykca wrote:

I have really been considering pulling the trigger and applying for a Walmart card... but I am nervous about a denial and a wasted inq. What do you guys think? Do I have a shot? 

 

I hear they pull TU and that is currently 637 (it is my highest) 

I have 1 secured WF card with 600 limit 

I have 3 Comenity store cards   

My utilization is 6%

 

The bad: 

I have 1 inq 

1 co from some cell phone company in 2009 

Defaulted student loan in 2010 which has been paid   

 

Think I have a shot? If not, is there anything I do have a shot with that preferably pulls TU?  

 


Great shot and worth the hp to try!

Fico Scores: EQ 673 DCU, TU 678 Wally, EX 669 Chase(08-31-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Express $300
Over 45 Cards in between :smileytongue:
Established Contributor
BootStraps
Posts: 520
Registered: ‎01-07-2013
0

Re: Walmart card?


Mellykca wrote:

I have really been considering pulling the trigger and applying for a Walmart card... but I am nervous about a denial and a wasted inq. What do you guys think? Do I have a shot? 

 

I hear they pull TU and that is currently 637 (it is my highest) 

I have 1 secured WF card with 600 limit 

I have 3 Comenity store cards   

My utilization is 6%

 

The bad: 

I have 1 inq 

1 co from some cell phone company in 2009 

Defaulted student loan in 2010 which has been paid   

 

Think I have a shot? If not, is there anything I do have a shot with that preferably pulls TU?  

 


Walmart is GECRB. There have been a good number of people with scores lower than yours that have been approved, so you have a very good shot at the store card.

 

The walmart card also gives a free TU FICO once a month. A handy thing if you are building or monitoring your credit. :smileyhappy:

 

Good luck. :smileyhappy:



Starting Score: All Under 590 (8/2011)
Current Score: Ex: 687 Eq: 713 Tu: 717
Goal Score: Ex: 725 Eq: 725 Tu: 725

Take the myFICO Fitness Challenge
Back in the Garden 8/8/2014 :smileyhappy:
Senior Contributor
baller4life
Posts: 3,405
Registered: ‎09-13-2013
0

Re: Walmart card?

Yep! Go for it!! Card has huge growth potential plus free monthly TU Fico!

GARDENING SINCE: 9/10/14 EQ: 644 EX: 688 TU: 709
MY WALLET: $10k NFCU CASH REWARDS SIGGY|$10k BOA CASH REWARDS|$9k AMEX DELTA GOLD
$7.5k NFCU PLATINUM MC|$7k DISCOVER IT|$5k AMAZON|$5k WALMART|$2.5k CHEVRON|$1k BARCLAYS RING
$1k BARCLAYS REWARDS
Valued Contributor
notfancy
Posts: 3,679
Registered: ‎11-23-2013
0

Re: Walmart card?


Mellykca wrote:

I have really been considering pulling the trigger and applying for a Walmart card... but I am nervous about a denial and a wasted inq. What do you guys think? Do I have a shot? 

 

I hear they pull TU and that is currently 637 (it is my highest) 

I have 1 secured WF card with 600 limit 

I have 3 Comenity store cards   

My utilization is 6%

 

The bad: 

I have 1 inq 

1 co from some cell phone company in 2009 

Defaulted student loan in 2010 which has been paid   

 

Think I have a shot? If not, is there anything I do have a shot with that preferably pulls TU?  

 


You might not get a huge starting limit,  but I think you'll likely get approved. Your file looks roughly similar to mine when I was approved in Dec.

625 EQ FICO Current Score: 660 DCU EQ FICO/ 645 Scorewatch EQ FICO , EX FICO 664, TU FICO 737 (08/2014)
Goal Score: 700   Seedling again as of 07/29/14
Regular Contributor
TRC2k13
Posts: 218
Registered: ‎03-02-2013
0

Re: Walmart card?


baller4life wrote:
Yep! Go for it!! Card has huge growth potential plus free monthly TU Fico!

Yes it does... had mine for 5 months... PIF and am waiting for auto CLI and/or a Discover upgrade.

 

 

Epic Contributor
Creditaddict
Posts: 20,100
Registered: ‎10-23-2007
0

Re: Walmart card?


TRC2k13 wrote:

baller4life wrote:
Yep! Go for it!! Card has huge growth potential plus free monthly TU Fico!

Yes it does... had mine for 5 months... PIF and am waiting for auto CLI and/or a Discover upgrade.

 

 


you should request for CLI every 4 months with GE cards!

Fico Scores: EQ 673 DCU, TU 678 Wally, EX 669 Chase(08-31-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Express $300
Over 45 Cards in between :smileytongue:

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