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Weird Walmart SP's

Established Contributor

Weird Walmart SP's

I was looking over all my credit reports just now and noticed that GE/Walmart soft pulls me alot on TU! I did a little research and they have soft pulled me almost everytime I swipe the card in store for a purchase. Is that normal?? I have a 1K credit limit and my purchases are normally around 100.00.

TU Fico 714 | Sesame 742 | Credit Karma 762 | Wal-Mart FICO 734 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 13.1k | Citi Diamond Preferred 10.2k | CSP 5k | Bofa Cash 9k | Boa Travel 10k | Discover More 3k | Chase SW 5k | Wal-Mart 3.3k | Amazon 5k | Old Navy Visa 5k | Shell 1200 | BP 400 | VS 1500 | Sam's Discover 8.5k | FNBO Amex 16k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

App free since 12/11/13*
5 REPLIES
Moderator Emeritus

Re: Weird Walmart SP's

That is kind of strange.  I have a Walmart and don't have that problem.

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!

June 2017 update: All scores over 820, just pure gardening now.
Established Contributor

Re: Weird Walmart SP's


snowkitty wrote:

I was looking over all my credit reports just now and noticed that GE/Walmart soft pulls me alot on TU! I did a little research and they have soft pulled me almost everytime I swipe the card in store for a purchase. Is that normal?? I have a 1K credit limit and my purchases are normally around 100.00.


I have only used the card 3 times, but I just checked and there is a soft either on the date of my purchase or the following day. I noticed one is labeled 'Permissible Purpose: CREDIT TRANSACTION '.Could be coincidence..lol. Don't worry about it.

100% Ficos: EX 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
Established Contributor

Re: Weird Walmart SP's

One of mine said permissable purpose....I just thought it was strange...none of my other ge cards does it
TU Fico 714 | Sesame 742 | Credit Karma 762 | Wal-Mart FICO 734 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 13.1k | Citi Diamond Preferred 10.2k | CSP 5k | Bofa Cash 9k | Boa Travel 10k | Discover More 3k | Chase SW 5k | Wal-Mart 3.3k | Amazon 5k | Old Navy Visa 5k | Shell 1200 | BP 400 | VS 1500 | Sam's Discover 8.5k | FNBO Amex 16k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

App free since 12/11/13*
Frequent Contributor

Re: Weird Walmart SP's

GE/Wal-mart soft pulled me one time when I used my bank debt card BEFORE I ever applied for a walmart card (or any GE card).

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Super Contributor

Re: Weird Walmart SP's

I know some GE cards also initiate a request for a CLI if you attempt to make a purchase over your limit. So maybe every time you make a purchase they are just preparing or something? Seems odd Smiley Tongue