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Walmart?

Regular Contributor

Re: Walmart?

Hey I just noiced something stupid.. I got an Old Navy Card and a Gap Card ( Total of 700.00) i n Credit.. But guess by who   GEMB... But they wont give me a walmart card .... Wow this is dumb ..OMG I even got a 10000 dollar auto loan .. no money up front and a 14% intrest rate.. But no walmart card... 1500 to 2000 cl Cap one card paid perfect for 6 full months but no walmart card.. This is so crazy.. I think I will apply online at Target..
My credit scores are killing me slowly at 640, 672 and 663 I am moving up a little bit ..
Message 61 of 95
Valued Member

Re: Walmart?

I am pretty sure my FICO is not in the 600's yet and I just got approval for a Walmart discover with an opening CL of $1700. Maybe I just got lucky and got a good rep. Smiley Happy Highest CLI yet of any card... Target Store Card: $200 Best Buy Store Card: $400 Cap One Visa: $300 Paypal Credit: $250 Old Navy: $200 Macy's: $100

Message Edited by westcoastcyc on 07-16-2008 10:05 AM
Message 62 of 95
Established Contributor

Re: Walmart?

bevy-
dont feel bad i have an old navy card, and walmart discover but i can't get a gap card, but guess i dont need i can use my old navy one there.
~01/2008 Ficos TU 571-EX 647-EQ 652~
~3/21/2009 Ficos TU 705 EX 702 EQ 692~
~9/9/09 Ficos TU 718 EQ 693 EX???
~06/25/12 Ficos TU 719 EQ 677 EX??
Message 63 of 95
Established Contributor

Re: Walmart?

wow westcoast..you must b lucky or something bc i got the walmart discover about a month ago and i only got $750.00
~01/2008 Ficos TU 571-EX 647-EQ 652~
~3/21/2009 Ficos TU 705 EX 702 EQ 692~
~9/9/09 Ficos TU 718 EQ 693 EX???
~06/25/12 Ficos TU 719 EQ 677 EX??
Message 64 of 95
Valued Member

Re: Walmart?

Yeah, really not sure how that worked, but I will take it. Smiley Happy
Message 65 of 95
Established Contributor

Re: Walmart?

congrats westcoast! awesome..have you checked your ficos lately? they may be higher than you think
~01/2008 Ficos TU 571-EX 647-EQ 652~
~3/21/2009 Ficos TU 705 EX 702 EQ 692~
~9/9/09 Ficos TU 718 EQ 693 EX???
~06/25/12 Ficos TU 719 EQ 677 EX??
Message 66 of 95
Valued Member

Re: Walmart?

Just signed up for the "Free Trial" from ScoreWatch, says Equifax is 658... Better than I thought, considering 3 years ago it was like 519.
Message 67 of 95
Regular Contributor

Re: Walmart?

Got the letter fro Walmart today.. It says to many accouts deragotory...  ( I have one derogatory that I disputed from 2004)  ( It is for 141.00) Thats it... Then it went on to say the my credit lines are too new.. They should know GEMB just gave me 2 card ( Old Navy and Gap ) My cap one card is 7 months old... hen my truck loan is on my report 10,000 paid as agreed on all cards and loan... I will make around 73,000 this year with a few new accounts and alot of old ones... My DTI is 11%..  But for some odd reason my scores went boom ( 612,613,629 ) Today...WTF.. Its got to be that high balance on my cap one .. almost maxed it out last month..but still paid as agreed..
My credit scores are killing me slowly at 640, 672 and 663 I am moving up a little bit ..
Message 68 of 95
Regular Contributor

Re: Walmart?

gemb is funny:
 
jc penny $500 for the last 3 years
lowes instant approval $2300
care credit instant $4000
 
and just now walmart not discover instant $500
Message 69 of 95
Moderator Emeritus

Re: Walmart?

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!"

I can't get any of their cards, a friend applied for Old Navy and got instantly approved for $200 CL. Last weekend was approved at a furniture store for their card backed by GEMB with a $6000 CL(but used hubby who has excellent credit)

Here is the funny part.......not only does said friend have 1 judgment showing unpaid, but 3 paid tax liens, and 2 defaulted GEMB accounts, one of which she is currently being sued on.

They pull EQ, I have lates and a old charge off for $78.



Message Edited by sidewinder on 07-10-2008 08:41 PM
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Message 70 of 95