Which Walmart CC should I get?

[Mickey11]

My recent TU Fico is 616, due to high util. I do have a very clean record for the past 3-4 years no lates, just a collection that's being paid. Also my Orchard card is going to charge me an AF next week, should I app first and then cancel or vice versa? I forget if closing the acct will impact my approval odds....

[Creditaddict]

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@Mickey11 wrote:
My recent TU Fico is 616, due to high util. I do have a very clean record for the past 3-4 years no lates, just a collection that's being paid. Also my Orchard card is going to charge me an AF next week, should I app first and then cancel or vice versa? I forget if closing the acct will impact my approval odds....

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If you have a TU of 616 but in your siggy you show 660... You lost that many points for high util.? or like high util. on all accounts??

you have other good cards so even with low score you could probably get a wally store card but if you got score back to 660 and all these cards below you might find yourself approved for the walmart Discover Card....

You don't actually choose, they try to approve Walmart Discover and if you don't qualify, they try to open just regular Walmart Store card that can't be used elsewhere.

[Mickey11]

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@Creditaddict wrote:

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@Mickey11 wrote:
My recent TU Fico is 616, due to high util. I do have a very clean record for the past 3-4 years no lates, just a collection that's being paid. Also my Orchard card is going to charge me an AF next week, should I app first and then cancel or vice versa? I forget if closing the acct will impact my approval odds....

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If you have a TU of 616 but in your siggy you show 660... You lost that many points for high util.? or like high util. on all accounts??

you have other good cards so even with low score you could probably get a wally store card but if you got score back to 660 and all these cards below you might find yourself approved for the walmart Discover Card....

You don't actually choose, they try to approve Walmart Discover and if you don't qualify, they try to open just regular Walmart Store card that can't be used elsewhere.

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High Util on my CSP, actually I'm quoting my EQ score, I don't have a current score for TU, the last one I pulled was in Jan and its in my sig.

[Mickey11]

Just app'd! I got the store card, I believe it's through GEMB? $600 CL.....what's the outlook for CLI? Are they SP etc...also I hope I still get the TU FICO? This was my last hurrah, we need 12 months clean, we are buying a home next summer! Also will they send my FICO they used in the mail or is that only if you get denied?

[Mickey11]

Also should I just app for a few other cards? If I do it now they will all drop of at the same time.....this is a sick hobby we all have.

[iMacDrew]

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@Mickey11 wrote:
Also should I just app for a few other cards? If I do it now they will all drop of at the same time.....this is a sick hobby we all have.

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To get the TU08 Fico you have to set up paperless statements online. and I suggest not applying anymore.. Just garden and wait 6+ months..

[migliogiorni]

I would get your util down before apping again.  I found it hard to get in with Discover with a 659 eq and 70 util. Once my util went down my scores raised and was approved.

[Repo-ed]

Good work, now get that paperless billing set-up for free monthly score.

[creditnocash]

may i ask how high the utility is? 

im at 60 percent at the moment and my scores are in my sig. 

but as everyone knows to each their own. 

i got approved for a 500 limit card recently (thats included with utilization) 

i have a problem. 

just apped for this and got a 800cl not sure if this is for store card or not. browser unexpectedly closed. now i dont know how to get back. 

i know it was stupid but impulse. 

i will do as suggested and garden until next july and all my balances paid off. 

right now its 2200 with credit limit of 5800(not including new cards) and income of 25000 

* sorry dont mean to thread jack.