Walmart?

[Anonymous]

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sidewinder wrote:

I think GEMB approval process is messed up. I think they approve every so many applicants and deny the rest.

Kind of like "you're our 10th applicant this hour, approved!"

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LOL!  Post of the day!

[Anonymous]

just applied online - haven't had a credit card in years due to bad scores. Paypal wouldn't give me a card, but walmart gav eme instant approval for $800 CL. I guess I should feel lucky??? lol.  My EQ score is 641 and TU is 645. 

[Itsmeagain]

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@Anonymous wrote:
just applied online - haven't had a credit card in years due to bad scores. Paypal wouldn't give me a card, but walmart gav eme instant approval for $800 CL. I guess I should feel lucky??? lol.  My EQ score is 641 and TU is 645. 

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Congrats . . . . You must be number 10 !! . . . . .

[Anonymous]

It seems $300 Credit Line is a magic number for WalMart. Everyone on the forums posted more approval with a $300 credit line to start with EVEN myself. I wasn't approved online but over the phone for $300 CL..Geezus, can they ever change their starting credit line number. $300 CL is a bit irritating me, can't even buy a TV or anything big at walmart LOL..

[Anonymous]

I have a Walmart store card and it hasn't been very good- admittedly I got it when my credit scores weren't great about 3 years ago (2006) w/ a $100 limit- I have since improved my scores, one is in 720 range and the other two are in the 750 range- I even closed on a mortgage, never been late or over the limit and have never once received a credit line increase, I only kept this card open to have different types of credit on my CR- I am really tempted to close it, because it has been an awful card- but in today's credit market I don't know if I should- 

[smallfry]

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@Anonymous wrote:
I have a Walmart store card and it hasn't been very good- admittedly I got it when my credit scores weren't great about 3 years ago (2006) w/ a $100 limit- I have since improved my scores, one is in 720 range and the other two are in the 750 range- I even closed on a mortgage, never been late or over the limit and have never once received a credit line increase, I only kept this card open to have different types of credit on my CR- I am really tempted to close it, because it has been an awful card- but in today's credit market I don't know if I should- 

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You should have been hitting the request a credit limit increase button every 4 months. Your limit would be well over 500 bucks by now.

[smallfry]

I hit the button at the 4 month mark and got the $125 CLI.

[llecs]

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smallfry wrote:

You should have been hitting the request a credit limit increase button every 4 months. Your limit would be well over 500 bucks by now.

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Thanks for posting that. DW got the card in December w/ a whopping $250 CL after they pulled an EQ FICO of about 650.

I logged into her account and clicked the luv button. Drum roll........... $25 CLI woooohoo. Well, it did drop her util by 0.02%. That'll trigger a SW alert . BTW, she only used the CC once in December for about $100, PIF in January, and hasn't used it since.

[debtfree09]

where do you go for instant approval for the Walmart card?  Is it as an at the register thing like target?

[smallfry]

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@debtfree09 wrote:

where do you go for instant approval for the Walmart card?  Is it as an at the register thing like target?

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You can apply online or in the store. Online would be instant if you are approved.