Credit Cards Center Credit cards from our partners
Reply
Regular Contributor
Posts: 116
Registered: ‎11-13-2011
0

Walmart store credit card: research

Can anyone with recent walmart store card approval post your fico scores as available, number of collections, number of charge offs, number of public records?

Really interested in applying but want to do some research beforehand.

Thanks!!!!
Valued Member
Posts: 31
Registered: ‎06-14-2012
0

Re: Walmart store credit card: research

[ Edited ]

I just applied today online and was improved instantly for the store card with a $700 limit. 

 

My EQ FICO is 666.  I'm not sure about my TU, the last time I got the score a few months ago it was 600, but it's hopefully a litle higher now.

 

I don't have any collections, public records or charge-offs but I have several student loans shredding my reports.  I'm in the rehab program but they don't take off the lates and fix up the tradelines until you complete the program, so I have a ton of lates.

Established Contributor
Posts: 869
Registered: ‎07-04-2012
0

Re: Walmart store credit card: research

Apped 15 days ago+-

AAoA 1 year 3-5 months

Oldest acc around 4 yrs

no baddies

no loans

pulled TU around 760

Got Wallmart Discover 1.1k CL

Income was 20k

Util 9-11%

 

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 |
Established Contributor
Posts: 835
Registered: ‎03-16-2012
0

Re: Walmart store credit card: research

My score was 607 or lower when i got approved last May...starting CL was $500 and it was auto increased to $900 in less than 3 months.... Next month is my 4th month and will see if i can get an increase again..... I had 5 collections, 4 chargeoffs at the time of approval.. Besides cap one, GE is the only one who would approve me


Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:621 EQ: 639 EX: 632
NFCU cashRewards:$500 CreditOne:$300 Merrick:$600 Milestone:$300 Cabelas:$1000 JCrew:$250 Overstock:$250 Express: $250 PaypalCredit:$1050
Highlighted
Contributor
Posts: 124
Registered: ‎08-13-2012
0

Re: Walmart store credit card: research


kobe2012 wrote:

My score was 607 or lower when i got approved last May...starting CL was $500 and it was auto increased to $900 in less than 3 months.... Next month is my 4th month and will see if i can get an increase again..... I had 5 collections, 4 chargeoffs at the time of approval.. Besides cap one, GE is the only one who would approve me


Did you use you card at all?  Or did they give you an increase with no activity?

4/2012 **Paid off 60 month car loan in 60 months**
6/11/2012 500 Auto EQ (CarMax)
7/2012 **Paid off 60 month VW car loan in 32 months**
8/13/2012 584 TU myFICO
8/16/2012 577 EQ myFICO
8/18/2012 **New $500 CC from WalMart** (1st CC since 2008)
8/19/2012 **New $200 CC from Capital One** (2nd CC since 2008)
Contributor
Posts: 124
Registered: ‎08-13-2012
0

Re: Walmart store credit card: research

I applied for the WalMart card on 8/18 with a TU MyFICO 577 and $21k in CO.

 

I was instantly approved for $500 limit.  I also disputed some info on my Experian report yesterday and found out that WalMart is already reporting!

4/2012 **Paid off 60 month car loan in 60 months**
6/11/2012 500 Auto EQ (CarMax)
7/2012 **Paid off 60 month VW car loan in 32 months**
8/13/2012 584 TU myFICO
8/16/2012 577 EQ myFICO
8/18/2012 **New $500 CC from WalMart** (1st CC since 2008)
8/19/2012 **New $200 CC from Capital One** (2nd CC since 2008)
New Contributor
Posts: 66
Registered: ‎08-02-2012
0

Re: Walmart store credit card: research

[ Edited ]

Applied 8/8/12 - approved for $400.  Approved for Amazon store card same day, $600.

 

TU 662 as reported on Walmart acceptance letter.

 

BK in 2005, no baddies since then, but a relatively thin file until my app spree earlier this month.

 

 

Valued Member
Posts: 94
Registered: ‎07-21-2012
0

Re: Walmart store credit card: research

TU 666

EQ 658

 

 

both 1 2yr payed utility derog.

TU 3inq  >10 years open > 3 deferred Student loans till 2014 > 1 Sec 600 PIF  WF (1yr on time)

EQ 1 unpaid 1yr derog. 2 10year old positive cu loan reports... 3inq > 3 years open  > 3 deferred Student loans till 2014 > 1 Sec 600 PIF  WF (1yr on time)

 

 

It was only approved for $150 but that is because of my debt to income with the student loans.

 

CS 701, CK 682, Credit.com 719/ TU FICO 666 (DIS 8/12) EU FICO 658 (8/12)
After spree CS 738, CK 684, TU FICO 666 (Dis 8/5)

WF Secured 600Cl (7/11), Discover More 1.5k (8/12), Walmart 150CL(8/12), Cap1 Platinum w/Credit steps($300) (8/12)
Moderator
Posts: 14,051
Registered: ‎04-15-2011
0

Re: Walmart store credit card: research

Got one for wife today.  EX 704 Tu658   Had a couple paid baddies, Income 122,000.  Got approved for $500.  Got Cap 1 a couple of weeks ag with 1K limit.  First cards in YEARS.  Smiley Happy

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!
Super Contributor
Posts: 7,487
Registered: ‎12-11-2011
0

Re: Walmart store credit card: research

My TU when i activated the card (through the free TU08 ) was 655. I had 13 inqs on TU alone and was approved for $500. At the time my highest limit reported was 600, i dont know if it would have made a difference had my cap1 been reported at the time.


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 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.