Reply
Established Member
Posts: 112
Registered: ‎03-18-2012
0

Re: closing walmart

some are cheap some are not but me and my wife always do our inventory at home to see what we need and we go shop at walmart to use 12 month no interest and i buy alot of chicken wing in a tray (12 tray ) plus i normaly pay off in 6 month.

Valued Contributor
Posts: 1,142
Registered: ‎09-01-2011
0

Re: closing walmart

[ Edited ]

trumpet-205 wrote:

cardcrazyboi wrote:

man why no one like to shop at walmart.. i like shopping at walmart ...


I hate Walmart. Maybe it is different than your experiences, but my experiences with Walmart are very bad (crowded, noisy, dirty, slow check out...)



I order all our groceries, etc. online from Pavilions and, they deliver everything to our front door.  But, I STILL want to get the Walmart card for the FICO®



Husband's Current Score: EX 691 CUSC; EQ 694; TU 687; Mine: EX 773 (AMEX); EQ 720; TU 750
Wallet Contents: SECURED: Capital One Platinum Mastercard, US Bank Harley Davidson Visa, USAA Bank American Express;
UNSECURED: Chase Freedom; USAA Cash Rewards World Mastercard, Discover More, CUSC Platinum Rewards Visa, American Express Zinc, American Express Blue Cash Preferred, Amazon Card, Walmart Discover Card
Regular Contributor
Posts: 134
Registered: ‎09-16-2007
0

Re: closing walmart

Just wanted to let everyone know I purchased an Ipad 2 last month and asked the checkout lady how do i get the 0% financing. She erroneously told me (and i didn't know better at the time) that it was automatic for purchases over $299. I received my statement today and I didn't see the promotional rate. I called Walmart and the rep told me she was supposed to scan a coupon at the register, but all purchases qualify for 12 months no interest if the purchase is at least $299. He also said if I didn't get the promotion rate at the store, I could always call customer service and they would apply it. So I am satisfied that he went ahead and gave me the promotion since it qualified. Hope this helps.

1/19/09 EQ 595 TU 508 EX 579 FICO
7/1/09 EQ 659 TU myFICO 654 TU 671 EX 644
10/14/10 EQ 696 EX 710 TU 728 (Wachovia pulled scores)
11/1/10 EQ 705 EX 710 TU 728 (700 Club all around, yayyy!)
07/24/11 TU 735
5/21/12 EQ 704 EX 737 TU 722
Contributor
Posts: 97
Registered: ‎06-28-2008
0

Re: closing walmart


palmbeachwife wrote:

Just wanted to let everyone know I purchased an Ipad 2 last month and asked the checkout lady how do i get the 0% financing. She erroneously told me (and i didn't know better at the time) that it was automatic for purchases over $299. I received my statement today and I didn't see the promotional rate. I called Walmart and the rep told me she was supposed to scan a coupon at the register, but all purchases qualify for 12 months no interest if the purchase is at least $299. He also said if I didn't get the promotion rate at the store, I could always call customer service and they would apply it. So I am satisfied that he went ahead and gave me the promotion since it qualified. Hope this helps.


The exact same thing happened to me. I too, bought an iPad 2 for my husband and I didn't get the 0% financing. Funny thing is I didn't even know about the 0% financing until reading about it on these forums. I called customer service and they applied it with no problem. I received my statement and saw it there. I'm a happy camper with my Walmart card and their customer service!


Starting Score: ?
Current Score: ?
Goal Score: 720


Take the myFICO Fitness Challenge
New Member
Posts: 10
Registered: ‎11-06-2011
0

Re: closing walmart

I'm really happy I stumbled upon this while reading the forums.  I just applied for a Walmart card and was instantly approved for $700.   Like some others I have been stuck in the low credit limit limbo for some time.  Hopefully this card will help me fix that, because having a steady ontime payment with Cap1 does not seem to do anything for me.


Starting Score: 527 EQ May 16, 2011
Current Scores: 631 EQ / 670 EX / 663 TU ( as of 7/12 )
Goal Scores: 700 across the board!
Valued Contributor
Posts: 1,093
Registered: ‎02-15-2012
0

Re: closing walmart

The ratio of store to major cards does not really matter.
Just the fact that you have both kinds in your profile. Closing your walmart will only cause you to lower your score.

Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: 748 TU(12/12), 783 TU98 , 813 TU08 FICO, 744 EQ FICO , 735 EX(9/12), 794 EX08 FICO, 809 EX08 bankcard FICO
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (20.7K), BofA Travel Rewards ($17.5), B&N World MC ($17.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (15K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig ($8.6K), Disc It ($8K), Citi Dia Pref MC ($3.7K),Sam's D ($8.5K), Wally D ($7.5K), JCP($5.3K)
Regular Contributor
Posts: 183
Registered: ‎05-18-2012
0

Re: closing walmart

[ Edited ]

I'm saving my 12 months 0% APR  to use for the holidays.  But since my 5 year old Acer laptop has been doing a lot of singing recently,  I may have to use it before then.  I will never buy an Acer laptop again.  It gets too hot and the battery dies fast.  

 

Also, on the back of the coupon for the 0% APR for 12 months to be appied,  it has the direction outlining what the cashier needs to do to have the APR applied to an order of $299 or more.  It's automatically applied for online orders.   It's always best to know the terms and conditions yourself rather than  relying on the cashier  to know what their talking about. 

Let's Go Heat!! Vamos Heat!
Moderator Emeritus
Posts: 11,176
Registered: ‎12-30-2011
0

Re: closing walmart

[ Edited ]

crunching_numbers wrote:
The ratio of store to major cards does not really matter.
Just the fact that you have both kinds in your profile. Closing your walmart will only cause you to lower your score.

Store cards = revolving, and there's no indication that it counts as a different type of revolving based on what pretty much everyone has experienced on the forum.  As a result, it doesn't change the mix of credit function.  Keep it open, close it, whatever (unless it impacts your aggregate CL for revolving utillization), though realistically if you have the card, and you shop at Walmart at all, might as well just hang out for the free FICO.

 

 

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 700, TU 04 731, EX 98 725 (05/24/15)
Goal Score: 700 on EQ 04 (01/01/16)


Take the myFICO Fitness Challenge
Regular Contributor
Posts: 134
Registered: ‎09-16-2007
0

Re: closing walmart

I didn't know anything about needing a coupon at the register. I think you don't have to wait for a coupon to receive 12 mo. free financing, it's automatic if you call customer service and ask for it provided you spend the $299 on a purchase. That may be new news to some people.

1/19/09 EQ 595 TU 508 EX 579 FICO
7/1/09 EQ 659 TU myFICO 654 TU 671 EX 644
10/14/10 EQ 696 EX 710 TU 728 (Wachovia pulled scores)
11/1/10 EQ 705 EX 710 TU 728 (700 Club all around, yayyy!)
07/24/11 TU 735
5/21/12 EQ 704 EX 737 TU 722
Valued Contributor
Posts: 1,275
Registered: ‎09-22-2009
0

Re: closing walmart

Whatever happened to Appbar anyway?  I miss reading his.her posts.  :smileysad:

EQ FICO - EQ08 - 850 - 01/01/15
TU FICO - TU08 - 850 - 01/01/15
EX FICO - EX08 - 850 - 01/01/15
EX FICO - V2 - 840 - 01/01/15
EQ FICO - EQ04 - 818 - 01/01/15
EQ FICO - Bankcard Enhanced 8 - 885 - 1/24/15
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.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.