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Walmart?

Valued Contributor

Re: Walmart?

Do you think i would have a good chance with a credit score of 604! Util is pretty high right now, my instincts are telling me to wait til my UTIL drops.

I'm not a kid anymore, I've done a lot of growing up! Smiley Happy
Starting Scores Sept '15- EQ-555, TU-542-EX-536
Current Scores as of June '16 - EQ-592, TU-635. EX-629
Gardening since June2016
Message 51 of 95
Established Contributor

Re: Walmart?

Don't apply online for the card.  Go to a walmart store and apply at any register.  You have a much better chance of getting approved that way.  Plus you get an instant CL you can use that day.
Message 52 of 95
Valued Contributor

Re: Walmart?

Thanks!

I'm not a kid anymore, I've done a lot of growing up! Smiley Happy
Starting Scores Sept '15- EQ-555, TU-542-EX-536
Current Scores as of June '16 - EQ-592, TU-635. EX-629
Gardening since June2016
Message 53 of 95
Regular Contributor

Re: Walmart?

I was preapproved for the store card with a CL of, ready for this...150.Smiley Mad
 
So I used the card always paid in full,waited 6 months before asking for a CLI. Got denied.
 
Im going to wait until the 9 month mark and if Im still denied a CLI. Say hello to my shredder... just joking I meant my dog. I would have a shredder but I cant buy one with a 150 limit..Smiley Wink 
Message 54 of 95
Valued Contributor

Re: Walmart?

Well i was approved and i applied online,Instant approval credit limit is 700, and they pulled TU in NC!
 
How often do they give credit line increases?

I'm not a kid anymore, I've done a lot of growing up! Smiley Happy
Starting Scores Sept '15- EQ-555, TU-542-EX-536
Current Scores as of June '16 - EQ-592, TU-635. EX-629
Gardening since June2016
Message 55 of 95
Established Member

Re: Walmart?

I applied online during a recent app spree and was approved instantly CL $500.
Message 56 of 95
Regular Contributor

Re: Walmart?

Walmart sux ... I got a card from The Gap, 300 CL  a Card from Old Navy 400 CL and a Cap one Card 1500 CL.. + a Loan for 10,000 from Members Exchange on a 2003 FX4 Truck.. I have low to mid 600's across the board and my debt to income ratio is only about 6%.... and Walmart will not give me a card ..I hope they never do.. I have to much of their crap in my house as it is..  I told the manager that I had  a Gap, Old Navy and Cap one card and he told me there must be a problem with my credit and I said I dont think so..Smiley Mad
My credit scores are killing me slowly at 640, 672 and 663 I am moving up a little bit ..
Message 57 of 95
Regular Contributor

Re: Walmart?

Oh I wanted to add that the day I was turned down I put my walmart purchase on My cap One Card.. The Lady behind the cash register said is this a debit card and I said no mam it's a real life credit card .. She then said well I dont see why you cant get a walmart card...


bevy1234 wrote:
Walmart sux ... I got a card from The Gap, 300 CL  a Card from Old Navy 400 CL and a Cap one Card 1500 CL.. + a Loan for 10,000 from Members Exchange on a 2003 FX4 Truck.. I have low to mid 600's across the board and my debt to income ratio is only about 6%.... and Walmart will not give me a card ..I hope they never do.. I have to much of their crap in my house as it is..  I told the manager that I had  a Gap, Old Navy and Cap one card and he told me there must be a problem with my credit and I said I dont think so..Smiley Mad



My credit scores are killing me slowly at 640, 672 and 663 I am moving up a little bit ..
Message 58 of 95
Valued Contributor

Re: Walmart?

I was approved for a card 2 weeks ago applied online they didn't give me instant approval i called them a few days later to check the status of my application an i was approved over the phone for $300 Dollars.

Starting Score 3-31-08: EQ 582 TU 577 EX 625
Current Score 3-19-10: EQ 703 TU 712 EX No Clue
Goal Score: 800 By January Of 2012


Take the FICO Fitness Challenge
Message 59 of 95
Established Contributor

Re: Walmart?

got approved in store and BF got instant approval online
I want to join the 700 club one day I am getting there Smiley Wink
FICOS 12/17/07 EQ-597 EX-651 and TU-651
FICOS 01/18/07 EQ-594 EX-651 and TU-662 FICOS
04/21/2008 TU-680 EQ-613 EX-688
Message 60 of 95