08-28-2013 06:06 PM
08-28-2013 06:08 PM
08-28-2013 06:10 PM
08-28-2013 06:51 PM
Walmart credit is just like any other store that offers network cards. When you apply, they will try for the Network card (Discover, VISA, etc.) but if you don't have the credit tier for that card, they will try to approve you for the store card. And they are eligible for upgrades after about a year of use At least you get your free monthly FICO when you sign up for online statements!
08-28-2013 07:14 PM
This was the only reason I applied. I wanted the free Fico score. I'm wanting a mortgage next spring, so I wasn't going to apply for more cards to get my INQ down, but I decided to go for this just to see my scores. Does anyone know what TU score they use? Is it the 98 like myfico uses or is it the new score? My TU here is 669, but I was told by another lender it's actually 588. I've had some baddies fall off since then though, so it should be much higher now.
08-28-2013 07:42 PM
I was just approved for a Walmart Store CC, but would like it to be the discover card. Is there a recon number that can help me accomplish this? Will it work? If not, how lo before they auto upgrade?
I tried a recon once with the Sam's Club/Sam's Discover and it was an absolute fail. As others have mentioned, you can wait for an upgrade or once your CR changed for the better.
08-29-2013 03:44 AM
While there's no hard fast rule, generally if you give the card some use, pay more than minimum, and keep your scores up, this greatly increases the odds of getting an upgrade in the near future....
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.