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What is so special about the Walmart CC

Established Member
66.87.77.26

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
Message 1 of 33
32 REPLIES
Valued Contributor
66.87.77.26

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.
ccpics2.jpg
Message 2 of 33
Established Contributor
66.87.77.26

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 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
Message 3 of 33
Contributor
66.87.77.26

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)
Message 4 of 33
Valued Contributor
66.87.77.26

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 & CSR 10k & CSP 10k & Freedom 6.6k & Amtrak/Freedom 4.6k, FNBO DISC 25.1k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 10k, Paypal Extras MC 7.5k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5.9k, Walmart 10k, Citi Simplicity 9k, Discover IT 16k and a nice stack of store cards.
Last APP/HP 5/15/2017 Marcus Loan. 30k
Message 5 of 33
Established Contributor
66.87.77.26

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.  Smiley Happy

 

Starting: EQ 622 (myFICO 7/7/12), EX 696 (TU FAKO 8/14/12), TU 621 (CK TransRisk 7/24/12), Total CL $1k on 2 TLs
Current: EQ 709 (CCT 2/4/15), EX 704 (CCT 2/4/15) , TU 702 (CCT 2/4/15), Total CL $110.3k on 14 TLs Goal: 740+ x3
My Wallet: Amex BCP $30k, Chase United Explorer $16k, Amex SPG $13.5k, Barclaycard Ring MC $12.5k, Chase CSP VS $12.2k, Discover it $10.5k, C1 Venture VS $6.5k, Chase Slate $3.5k, Amex Hilton Surpass $2k, Barclaycard Apple V $2k, Chase Freedom V $1100, BoA Cash Rewards V $500, Citi BestBuy $500
My Loans: Prosper $25k/36mo, Prosper $17k/36mo
My Business: Chase Ink VS $5k, Amex BRG NPSL (> 10k),
Message 6 of 33
Established Contributor
66.87.77.26

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. Smiley Happy

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


Message 7 of 33
Established Contributor
66.87.77.26

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
Message 8 of 33
Valued Contributor
66.87.77.26

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.  Smiley Happy

 


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

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Message 9 of 33
Established Contributor
66.87.77.26

Re: What is so special about the Walmart CC

+1 at adavis425

Message 10 of 33