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Valued Contributor
rootpooty
Posts: 1,711
Registered: ‎10-28-2011

ouch walmart denied

683 transunion with 6 mos history 6 inquiries 1 baddie due to fall off beginning of next year. I got the 7 day message so I called and told me it was declined and that I would be sent a letter with denial reasons? I think they dont do recons. oh well guess ill just wait another 6 mos to see if I can graduate my secured cards

NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 3k | BOFA 123 3k |
Chase Freedom 1.5k | Amazon 1800 | Walmart 1450 | Buckle 300

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Frequent Contributor
TeeandDee
Posts: 426
Registered: ‎02-09-2012

Re: ouch walmart denied

Same thing happened to me and then a month after being denied, I went online to their website and clicked the credit card area and saw I was pre-approved!  I went for it and was approved!  And not much had changed on my report in the month between the denial and the approval....so who knows?! LOL!  Give it a month and check the website from time to time to see if a pre-approval shows up. Also, you may want to try applying in the store. I've read on here that some of been denied online then approved when they applied instore.  Good luck!

Slowly building....
Valued Contributor
RyVision
Posts: 1,346
Registered: ‎04-15-2011

Re: ouch walmart denied

I've always thought applying in store for them (or most store cards) would bring the most positive result.  May or may not be true, but I've read many times that's where people had the best outcome.  I only applied once, years ago, in store, and was approved, same with Kohls before that, then Best Buy much later.

Frequent Contributor
TeeandDee
Posts: 426
Registered: ‎02-09-2012

Re: ouch walmart denied


RyVision wrote:

I've always thought applying in store for them (or most store cards) would bring the most positive result.  May or may not be true, but I've read many times that's where people had the best outcome.  I only applied once, years ago, in store, and was approved, same with Kohls before that, then Best Buy much later.


+1

 

True.  I had success instore with Best Buy as well.  Ive also read on here alot of instore success sstories.... seems that chances are better applying in store.

Slowly building....
New Member
mario02423
Posts: 8
Registered: ‎01-12-2012

Re: ouch walmart denied

When I applied for a store card, one of the employee's questions was "Are you planning to purchase something today? If so, how much?" Always make up a good number. It helps.

1ST FIN BANK 5 | AMERICAN EAGLE VISA 5.3 | AMEX FIA 15 | BEST BUY CHARGE 8 | CHASE AMAZON 4 | CHASE SLATE 1 | CITI DIAMOND PREFERRED MC 10 | CITI PLAT. SELECT AA MC 8.5 | CITI THANK YOU 10 | CITI THANK YOU PREFERRED 10 | DISCOVER MORE 16 | HHB PLAT MASTERCARD 4 | HOME DEPOT 10 | KOHL'S CHARGE 3.5 | NORDSTROM CHARGE 8 | SEARS CHARGE 4 | TARGET CHARGE 0.9 | TJX CHARGE 5 | WALMART CHARGE 2

TOTAL CREDIT 130.2 | UTILIZATION 2.1% | STUDENT LOANS INFINITY
Valued Contributor
rootpooty
Posts: 1,711
Registered: ‎10-28-2011

Re: ouch walmart denied

I didnt think there would be a difference. I dont get it cause Ive seen people with mid 500 tu and get approved with several derogs.

I think I shouldnt have applied cause my address doesnt match what I have on my license in the app. Would that cause a denial?

NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 3k | BOFA 123 3k |
Chase Freedom 1.5k | Amazon 1800 | Walmart 1450 | Buckle 300

On the prowl for Chase Sapphire Preferred!
Valued Contributor
clocktick
Posts: 1,603
Registered: ‎12-07-2008

Re: ouch walmart denied

It matters the address on your reports versus your app.  You'll find out soon enough.  Sorry you were denied.  :smileysad:

 

Just curious, how do you have a baddie with 6 months history?

11/30/08 TU 648 EX 672 EQ 656 JUNE 2014 TU 779 EX 764 EQ 721
Amex BCP $24.1K/Clear $8.5- Barclays LLBean $15k/Sallie Mae $12.5 -Cap One QS $4 - Chase Freedom $7.5/United $5k/CSP $20k/Ink- Citi DP $9.5/Dividend $13k/HHHx2 $15k/16.4/Reserve $4.5k Best Buy $1940- Discover IT $15k - Elan $8k GEMB Lowes $20k - Macy's $2k - Kohl's $800




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Valued Contributor
rootpooty
Posts: 1,711
Registered: ‎10-28-2011

Re: ouch walmart denied


clocktick wrote:

It matters the address on your reports versus your app.  You'll find out soon enough.  Sorry you were denied.  :smileysad:

 

Just curious, how do you have a baddie with 6 months history?



I have 6 mos credit history. ive never had credit before. the baddie is from an old utility bill back a few years ago. my current address and whats on my reports match. but the app asked for my drivers license number and that doesnt match my current address

NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 3k | BOFA 123 3k |
Chase Freedom 1.5k | Amazon 1800 | Walmart 1450 | Buckle 300

On the prowl for Chase Sapphire Preferred!
Valued Contributor
clocktick
Posts: 1,603
Registered: ‎12-07-2008

Re: ouch walmart denied

Ohhhh, I see.  Weird, I don't remember having to give my driver's license number on a credit app.

11/30/08 TU 648 EX 672 EQ 656 JUNE 2014 TU 779 EX 764 EQ 721
Amex BCP $24.1K/Clear $8.5- Barclays LLBean $15k/Sallie Mae $12.5 -Cap One QS $4 - Chase Freedom $7.5/United $5k/CSP $20k/Ink- Citi DP $9.5/Dividend $13k/HHHx2 $15k/16.4/Reserve $4.5k Best Buy $1940- Discover IT $15k - Elan $8k GEMB Lowes $20k - Macy's $2k - Kohl's $800




Starting Score: 648
Current Score: 736
Goal Score: 765


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Frequent Contributor
traveler2005
Posts: 472
Registered: ‎08-13-2011

Re: ouch walmart denied

GE money bank from my experience always asks for State of Lic and number:smileyhappy:





Starting Score: TU 573 Exp 523 Lender Pull, Eq 583
Current Score: TU 675, Exp 653.,Eq 655
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