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Contributor
JamesKnox
Posts: 228
Registered: ‎08-29-2013

Will I Get Approved for WalMart??

Thinking of applying for WalMart as well....

 

Here's the breakdown:

 TRANS Fico is now 711 :smileyhappy:

 

1 Secured CC - CL $300 - $3 Bal - Card only 2 months old. 

0 Collections

Average Account Age: 6 years, 1 month

Length of Credit History: 7 years, 11 months

50k student loans -- All deferred (still in school) (2 late payments from 2011 when I took a semester off school)

2 Inquiries in past 2 years

 

What are my chances?

 

Starting Score: (FICO)(August 29, 2013) 502(EQ) 568(EX) 549(TU)
Current Score: (FICO) (September 19, 2013) 702(EQ) 679(EX) 711(TU)
Goal Score: 720(EQ) 720(EX) 720(TU)

Take the myFICO Fitness Challenge
Bank of America Cash Rewards $300 | Amazon Store Card $800 | WalMart Store Card $1000
Senior Contributor
youngandcreditwrthy
Posts: 6,154
Registered: ‎08-16-2012

Re: Will I Get Approved for WalMart??

I think you will get approved. 90% chance
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Frequent Contributor
simi_go
Posts: 324
Registered: ‎04-01-2013

Re: Will I Get Approved for WalMart??


youngandcreditwrthy wrote:
I think you will get approved. 90% chance

I agree, its going to be a small limit but you should get approved.  May get real lucky and get the Discover version, but limit will most likely be $800 or less.

TU FICO - 497 7/9/14 EQ FICO - 542 7/12/14
BK Discharged 7/7/14

Credit One $300
Established Contributor
wHiTeSoL
Posts: 1,038
Registered: ‎07-09-2013

Re: Will I Get Approved for WalMart??

Pull the trigger!

   3/12 $3500     6/12 $1200      10/12 $1500   12/12 $3400    6/13 $12000      7/13 $5000      7/13 $2500       8/13 $2000    8/13 $6000

  | CSP (AU) $12,000 | Amex PRG (AU) | United $6,000 | OCCU $12,000 | Ink Bold | GM $3,200 | DCU $7500 | Luthansa $9000 | SPG $6,000 | Citi AA Executive $11,000 | Ink Plus $5,000                                                                         | EX 2/7 697 | EQ 10/27 721 | TU 12/15 719 |

Contributor
JamesKnox
Posts: 228
Registered: ‎08-29-2013

So do I apply for the regular walmart or the discover?

So do I apply for the regular walmart or the discover?


Starting Score: (FICO)(August 29, 2013) 502(EQ) 568(EX) 549(TU)
Current Score: (FICO) (September 19, 2013) 702(EQ) 679(EX) 711(TU)
Goal Score: 720(EQ) 720(EX) 720(TU)

Take the myFICO Fitness Challenge
Bank of America Cash Rewards $300 | Amazon Store Card $800 | WalMart Store Card $1000
Frequent Contributor
simi_go
Posts: 324
Registered: ‎04-01-2013

Re: So do I apply for the regular walmart or the discover?


JamesKnox wrote:

So do I apply for the regular walmart or the discover?


You just apply, if you qualify for the discover you get it.  Otherwise you just get the store card.

TU FICO - 497 7/9/14 EQ FICO - 542 7/12/14
BK Discharged 7/7/14

Credit One $300
Contributor
JamesKnox
Posts: 228
Registered: ‎08-29-2013

Re: So do I apply for the regular walmart or the discover?

Thanks Simi...

 

Now should I apply for this or the Barclays Rewards card? I see you have both? What are your thoughts with my current trans file?


Starting Score: (FICO)(August 29, 2013) 502(EQ) 568(EX) 549(TU)
Current Score: (FICO) (September 19, 2013) 702(EQ) 679(EX) 711(TU)
Goal Score: 720(EQ) 720(EX) 720(TU)

Take the myFICO Fitness Challenge
Bank of America Cash Rewards $300 | Amazon Store Card $800 | WalMart Store Card $1000
Community Leader
Senior Contributor
myjourney
Posts: 25,246
Registered: ‎02-07-2013

Re: So do I apply for the regular walmart or the discover?

Aren't you supposed to be gardening?

"Intelligence plus character--that is the goal of true education"
Cap1 EO link below
http://lmgtfy.com/?q=Capital+One+CEO+email+address+#seen
Last 5 apps 6/6/13
Contributor
JamesKnox
Posts: 228
Registered: ‎08-29-2013

Re: So do I apply for the regular walmart or the discover?

@myjourney

 

not reallyyyyyy....i dont really have anything to garden except 1 card. thats why i opened this thread.


Starting Score: (FICO)(August 29, 2013) 502(EQ) 568(EX) 549(TU)
Current Score: (FICO) (September 19, 2013) 702(EQ) 679(EX) 711(TU)
Goal Score: 720(EQ) 720(EX) 720(TU)

Take the myFICO Fitness Challenge
Bank of America Cash Rewards $300 | Amazon Store Card $800 | WalMart Store Card $1000
Community Leader
Senior Contributor
myjourney
Posts: 25,246
Registered: ‎02-07-2013

Re: So do I apply for the regular walmart or the discover?

[ Edited ]

JamesKnox wrote:

@myjourney

 

not reallyyyyyy....i dont really have anything to garden except 1 card. thats why i opened this thread.


TU score is good for Wally 

Remind me again why EX score is so low and how long have you had the 1 card? 

Edit had card for 2 months 

"Intelligence plus character--that is the goal of true education"
Cap1 EO link below
http://lmgtfy.com/?q=Capital+One+CEO+email+address+#seen
Last 5 apps 6/6/13

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