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Established Contributor
kroberts67
Posts: 833
Registered: ‎03-04-2013
0

Walmart... what does it take?

I don't get GE at all.  I do have Old Navy (PIF) & Penneys (unused) but Walmart & Vics Secret denied me (last summer).  My score has gone up as well as my salary, a recent collection paid & deleted, UT going down.  I thought I'd try for Walmart for the benefits, I thought it wouldn't be difficult to get as I thought it was a rebuilder card.  I got the 7-10 days schpeal so I called to find out.  No dice.  Amazon yes ($600), Walmart no.  TU FICO was 651 a few days ago but has gone up a bit more, how much I won't know until I run another score next week.  

 

My question is more with the differences in GE approval;  I am baffled.  What is Walmart looking for?



FICO: EQ 722 | TU 723 | EX 718
SFFCU Visa $11.3k + LOC $5k, USAA Amex $6k, USAA MC $7k, Amex BCE $13.5k, Cap1 $4k, Freedom $5k, Slate $3.2k, Barclays SM $5k.

My Credit Repair Journey
Valued Contributor
dodgerslv
Posts: 1,833
Registered: ‎06-16-2012
0

Re: Walmart... what does it take?


kroberts67 wrote:

I don't get GE at all.  I do have Old Navy (PIF) & Penneys (unused) but Walmart & Vics Secret denied me (last summer).  My score has gone up as well as my salary, a recent collection paid & deleted, UT going down.  I thought I'd try for Walmart for the benefits, I thought it wouldn't be difficult to get as I thought it was a rebuilder card.  I got the 7-10 days schpeal so I called to find out.  No dice.  Amazon yes ($600), Walmart no.  TU FICO was 651 a few days ago but has gone up a bit more, how much I won't know until I run another score next week.  

 

My question is more with the differences in GE approval;  I am baffled.  What is Walmart looking for?


Well GE can be weird at times. Something similiar happened to me also. I applied for the Walmart and Dillards and got approved instantly then a month later applied for Sams Club and no dice. I would have figured i was shoe-in with Sams since i already had been approved for the other two. I remember when i received the cards it came along with my TU Fico. When i recieved the letter from Sams, it had an internal score so who knows really how GE approval criteria is. I have seen people with lower score than you get approved instantly.


Cards: (Citi- 82.7k) (Chase- 65k)) (US Bank- 18k) (Amex- 22.5k) (Barclays-40k) (BofA- 68k) (Cap1- 9.5K) (WF- 11k) (Penfed- 22.5k) (Discover- 8k) (Sync/GE- 15.7k) (NASA- 30k) (Diners- 15k)
Fico 08 scores (8/27/14) EX: 772 TU: 767 EQ: 778 (Utilization at 8% right now).





Moderator
09Lexie
Posts: 26,269
Registered: ‎09-13-2012
0

Re: Walmart... what does it take?

Personally, GE seems to like me when I apply.  My DH, not so much.  He was approved for the Walmart and not Amazon during the same app spree. :smileyfrustrated:

Established Contributor
kroberts67
Posts: 833
Registered: ‎03-04-2013
0

Re: Walmart... what does it take?


09Lexie wrote:

Personally, GE seems to like me when I apply.  My DH, not so much.  He was approved for the Walmart and not Amazon during the same app spree. :smileyfrustrated:


Opposite of me, so weird!  When I get the letter I'm calling to recon.  I've never done that before but hey.  If I don't get it I can still speak with them and find out the nitty gritty, I'll ask them what helps etc.



FICO: EQ 722 | TU 723 | EX 718
SFFCU Visa $11.3k + LOC $5k, USAA Amex $6k, USAA MC $7k, Amex BCE $13.5k, Cap1 $4k, Freedom $5k, Slate $3.2k, Barclays SM $5k.

My Credit Repair Journey
Moderator
09Lexie
Posts: 26,269
Registered: ‎09-13-2012
0

Re: Walmart... what does it take?

Frequent Contributor
WarJar101
Posts: 341
Registered: ‎08-14-2012
0

Re: Walmart... what does it take?

1-877-294-7880, try this number.

Cap One Platinum MC $2.5k CL (08/12)
Citi Forward Student Visa Card $1.5k CL (09/12)
Express NEXT Card $0.25k CL (02/13), Jcrew CC $0.7k CL(02/13)
AMEX PRG NPSL (03/13), AMEX Gold Delta Skymiles 2k (03/13)
Walmart Credit Card $1.5k (03/13)
TU: 687 FICO (3/13) | EX: 692 Lender Pull (3/13) | EQ: 678 (4/1/13)
Established Contributor
kroberts67
Posts: 833
Registered: ‎03-04-2013
0

Re: Walmart... what does it take?

Thank you!  :smileyhappy:



FICO: EQ 722 | TU 723 | EX 718
SFFCU Visa $11.3k + LOC $5k, USAA Amex $6k, USAA MC $7k, Amex BCE $13.5k, Cap1 $4k, Freedom $5k, Slate $3.2k, Barclays SM $5k.

My Credit Repair Journey
Valued Contributor
j_casteel
Posts: 1,915
Registered: ‎06-21-2012
0

Re: Walmart... what does it take?


kroberts67 wrote:

I don't get GE at all.  I do have Old Navy (PIF) & Penneys (unused) but Walmart & Vics Secret denied me (last summer).  My score has gone up as well as my salary, a recent collection paid & deleted, UT going down.  I thought I'd try for Walmart for the benefits, I thought it wouldn't be difficult to get as I thought it was a rebuilder card.  I got the 7-10 days schpeal so I called to find out.  No dice.  Amazon yes ($600), Walmart no.  TU FICO was 651 a few days ago but has gone up a bit more, how much I won't know until I run another score next week.  

 

My question is more with the differences in GE approval;  I am baffled.  What is Walmart looking for?


What were the reasons for your denial? Walmart isn't considered a "rebuilding" card its just a GE store card which most of the time is easier to get approved for. Also, VS is not a GE backed card, and you can do what most do and just keep trying the shopping cart trick daily to see if you get a preapproval and then hopefully you can get the card without a HP.

 

 

| Walmart $5k | Amazon $5k | NFCU $20k | NLOC $15k | Lowes $17k | BoA $15k | Freedom $3k | IT $4.5k | CSP $5k | Marriott $5k | AMEX TE $9k | Alaska $5k |
Starting Scores: EQ:571 EX:??? TU:597
Current Scores: EQ:694 EX:714 TU:711
Goal Scores: 700
across the board
Established Contributor
kroberts67
Posts: 833
Registered: ‎03-04-2013
0

Re: Walmart... what does it take?


j_casteel wrote:

kroberts67 wrote:

I don't get GE at all.  I do have Old Navy (PIF) & Penneys (unused) but Walmart & Vics Secret denied me (last summer).  My score has gone up as well as my salary, a recent collection paid & deleted, UT going down.  I thought I'd try for Walmart for the benefits, I thought it wouldn't be difficult to get as I thought it was a rebuilder card.  I got the 7-10 days schpeal so I called to find out.  No dice.  Amazon yes ($600), Walmart no.  TU FICO was 651 a few days ago but has gone up a bit more, how much I won't know until I run another score next week.  

 

My question is more with the differences in GE approval;  I am baffled.  What is Walmart looking for?


What were the reasons for your denial? Walmart isn't considered a "rebuilding" card its just a GE store card which most of the time is easier to get approved for. Also, VS is not a GE backed card, and you can do what most do and just keep trying the shopping cart trick daily to see if you get a preapproval and then hopefully you can get the card without a HP.

 

 


They wouldn't give me the reasions over the phone, I have to wait for the letter.  And about GE?Vics Secret, I realized that while I was sleeping.  I dreamed about GE vs Comenity.  Yes, this happened.  lol 

 

 



FICO: EQ 722 | TU 723 | EX 718
SFFCU Visa $11.3k + LOC $5k, USAA Amex $6k, USAA MC $7k, Amex BCE $13.5k, Cap1 $4k, Freedom $5k, Slate $3.2k, Barclays SM $5k.

My Credit Repair Journey

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