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Will I Get Approved for WalMart??

Regular Contributor

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) (January 28, 2017) 712(EQ) 720(EX) 720(TU)
Goal Score: 720(EQ) 720(EX) 720(TU)

Amex Business Platinum NPSL | Chase Sapphire Preferred $15,000 | Chase Freedom $9000 | Amex ED $1,000 | BofACash Rewards $3100 | Amazon Store Card $4000
Message 1 of 65
64 REPLIES
Senior Contributor

Re: Will I Get Approved for WalMart??

I think you will get approved. 90% chance
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 2 of 65
Frequent Contributor

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.

EX FICO - 526 9/24/14 TU FICO - 555 9/25/14 EQ FICO - 625 9/26/14
BK Discharged 7/7/14

Credit One $300 $500 --- Capital One Quicksilver $300
Comenity/Motorola Credit $1,500 --- Comenity/JCrew $750 $950
Comenity/Sportsmans Guide Visa $2500
Message 3 of 65
Valued Contributor

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 |

Message 4 of 65
Regular Contributor

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) (January 28, 2017) 712(EQ) 720(EX) 720(TU)
Goal Score: 720(EQ) 720(EX) 720(TU)

Amex Business Platinum NPSL | Chase Sapphire Preferred $15,000 | Chase Freedom $9000 | Amex ED $1,000 | BofACash Rewards $3100 | Amazon Store Card $4000
Message 5 of 65
Frequent Contributor

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.

EX FICO - 526 9/24/14 TU FICO - 555 9/25/14 EQ FICO - 625 9/26/14
BK Discharged 7/7/14

Credit One $300 $500 --- Capital One Quicksilver $300
Comenity/Motorola Credit $1,500 --- Comenity/JCrew $750 $950
Comenity/Sportsmans Guide Visa $2500
Message 6 of 65
Regular Contributor

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) (January 28, 2017) 712(EQ) 720(EX) 720(TU)
Goal Score: 720(EQ) 720(EX) 720(TU)

Amex Business Platinum NPSL | Chase Sapphire Preferred $15,000 | Chase Freedom $9000 | Amex ED $1,000 | BofACash Rewards $3100 | Amazon Store Card $4000
Message 7 of 65
Super Contributor

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

Aren't you supposed to be gardening?

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 8 of 65
Regular Contributor

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) (January 28, 2017) 712(EQ) 720(EX) 720(TU)
Goal Score: 720(EQ) 720(EX) 720(TU)

Amex Business Platinum NPSL | Chase Sapphire Preferred $15,000 | Chase Freedom $9000 | Amex ED $1,000 | BofACash Rewards $3100 | Amazon Store Card $4000
Message 9 of 65
Super Contributor

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


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 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 10 of 65