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Established Member
Nati
Posts: 20
Registered: ‎10-23-2012

What is so special about the Walmart CC

Ok, I have searched the forums trying to find out why everyone is so up in arms about this card. The only thing I can see is the free score and possibly the auto CLI. None the less I don't see how any of that is worth it at 22.9%

 

So what is it about this card that is such a big deal?

Starting scores 5/29/12 via 53 identity alert
EX-676 TU-667 EQ-665
Todays scores 11/16/2012 via 53 identity alert
EX-721 TU-719 EQ-723
Valued Contributor
beb86
Posts: 1,117
Registered: ‎10-31-2011

Re: What is so special about the Walmart CC

GE is outstanding with CLIs and also the free monthly TU08 makes it worth it to me.
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Established Contributor
calihlove75
Posts: 787
Registered: ‎05-16-2012

Re: What is so special about the Walmart CC


Nati wrote:

Ok, I have searched the forums trying to find out why everyone is so up in arms about this card. The only thing I can see is the free score and possibly the auto CLI. None the less I don't see how any of that is worth it at 22.9%

 

So what is it about this card that is such a big deal?


My local Walmart always has the 12 months  0% APR sign at the registers if you spend $299 or more so in my case that makes the card good. Of course the free TU score is a plus. I agree it would not be a good card to revolve a balance at the regular APR.


100% Ficos: EX 762, TU 767, EQ 754 Inquiries last 1 year/6 months: EX-0/0, TU- 0/0, EQ-2/1~ last credit card app 6/24/13- New car loan 3/8/2014
Discover IT $8000~Kohls $1000~Amex BCE $2000~ Walmart Discover $7500~NFCU Signature CashRewards $14,000~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $2500~ Amazon Store $7000~ Fingerhut $1050
Contributor
CreditResuscitation
Posts: 88
Registered: ‎06-13-2012

Re: What is so special about the Walmart CC

To add on to what @calihlove75 and @beb86 are saying, you also get to use your Walmart card in Sam's for added convinience. I just did all of my Thankgiving shopping between the two. By the way Happy Thanksgiving!!! 

11/16/12: TU - 728 EX - ??? EQ - 748 FICO

In my wallet: Capital One No Hassle Cash Rewards Master Card (500), Orchard Bank Classic Visa (500), Best Buy Rewards Zone Master Card (300), Walmart Credit Card (1000), Paypal Smart Connect Card (1500), Academy Sports & Outdoors Visa (AU) (10,000)
Valued Contributor
jamesdwi
Posts: 1,433
Registered: ‎09-16-2011

Re: What is so special about the Walmart CC


beb86 wrote:
GE is outstanding with CLIs and also the free monthly TU08 makes it worth it to me.

+1  and interest free deals, I have gotten to the point where I don't use the card much... But have though about the $429 electronic purchase with 0% interest for 18 months. But haven't really found electronics I need currently... and everything  else on the same recent gets 0% interest for the 18 months. So could do my full christmas shopping with 0% interest. 

 

 

Cards: Chase Southwest 20k & CSP 10k & Amtrak 4.6k, & Freedom 3.3k & Slate 3.3k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & AMEX Hilton Surpass 7.5k & AMEX Zync NPSL, Sams Club Discover 10k, Paypal Extras MC 6k, CapOne 2.5k, CapOne 750, Amazon 3.9k, Walmart 4.5k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 6.5k and a nice stack of store cards.
Last APP 4/26//2014 no plans for new credit I think I have enough.
Frequent Contributor
TheConductor
Posts: 491
Registered: ‎07-24-2012

Re: What is so special about the Walmart CC

- Big gas discounts

- 0% financing for 18 months on large electronics purchases

- Free monthly FICO score

- Generous and frequent CLIs

- Reasonably easy to qualify for

- Keys to the Walton family safe deposit boxes

- A machine that controls the weather

- An invisible airplane made of gold

 

Only 3 of those are made up.  :smileyhappy:

 

Starting: EQ 622 (myFICO 7/7/12), EX 696 (TU FAKO 8/14/12), TU 621 (CK TransRisk 7/24/12)
Current: EQ 686 (myFICO 7/14/14), EX 694 (Prosper 7/17/14) , TU 691 (WalMart 7/11/14) Goal: 700+ x3
My Wallet: Amex BCP $30k, Chase CSP VS $12.2k, Amex Zync NPSL (> 10k), C1 Venture VS $5k, Amex SPG $4.5k, Barclaycard Apple V $2k, Walmart (Store) $1.6k, Chase Freedom V $1100, BoA Cash Rewards V $500, Best Buy Rewards MC $500
My Loans: Prosper $25k/36mo
Established Contributor
adavis425
Posts: 512
Registered: ‎02-14-2012

Re: What is so special about the Walmart CC


Nati wrote:

Ok, I have searched the forums trying to find out why everyone is so up in arms about this card. The only thing I can see is the free score and possibly the auto CLI. None the less I don't see how any of that is worth it at 22.9%

 

So what is it about this card that is such a big deal?


Not an issue when you PIF. :smileyhappy:

AmEx Platinum | AmEx BCP | AmEx Delta Gold | CSP | Chase Freedom | NFCU cashRewards Visa Sig | NFCU Plat MC | WM Discover | Discover it | JCP


Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011

Re: What is so special about the Walmart CC

best credit cards give you around $300 to 600 in bonuses. high credit limits for your utility 0% financing on bigger things and gas and can graduate to a discover. not mamy sotre cards can graduate. but $240 in fico scores a year is worth while


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Valued Contributor
beb86
Posts: 1,117
Registered: ‎10-31-2011

Re: What is so special about the Walmart CC


TheConductor wrote:

- Big gas discounts

- 0% financing for 18 months on large electronics purchases

- Free monthly FICO score

- Generous and frequent CLIs

- Reasonably easy to qualify for

- Keys to the Walton family safe deposit boxes

- A machine that controls the weather

- An invisible airplane made of gold

 

Only 3 of those are made up.  :smileyhappy:

 


I forgot all about the $.15 off per gallon discount 

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Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012

Re: What is so special about the Walmart CC

+1 at adavis425


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