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

Re: ouch walmart denied


traveler2005 wrote:

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



well my current license is from florida and i reside in indiana. i need to get it switched over. maybe that is what caused a denial?

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Frequent Contributor
bigtim
Posts: 358
Registered: ‎06-06-2009

Re: ouch walmart denied

I apped in store recently at Ace Hardware. They asked for my DL and a credit card. My address hasn't changed in 8 years so that was good I guess - approved.

 

I too have heard that apping in-store improves your chances of approval and/or a higher CL, which makes perfect sense to me. I'm betting there is a threshold of sorts where if you were just 'below' approval for an online app, it is a VERY good chance you would have been approved in-store.

 

---------------------------------------------------------------
Recent Cards:
03/2012 - Gander Mountain MC (WFNNB) 7,000 CL
04/2012 - Ace Rewards Visa (US Bank) 12,000 CL
Got brave, apped for Citi Hilton Visa 05/2012 - Denied
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Established Contributor
learnin113
Posts: 541
Registered: ‎12-02-2011

Re: ouch walmart denied


TeeandDee wrote:

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!


I've never seen this.  Where are the preapprovals exactly and is this for all GE accounts?

Valued Contributor
oracles
Posts: 1,699
Registered: ‎08-18-2007

Re: ouch walmart denied


learnin113 wrote:

TeeandDee wrote:

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!


I've never seen this.  Where are the preapprovals exactly and is this for all GE accounts?


i would like to know this also

Regular Contributor
Tommy5746
Posts: 440
Registered: ‎02-08-2012

Re: ouch walmart denied


oracles wrote:

learnin113 wrote:

TeeandDee wrote:

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!


I've never seen this.  Where are the preapprovals exactly and is this for all GE accounts?


i would like to know this also


Anybody know about this??

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Established Contributor
snowkitty
Posts: 985
Registered: ‎09-10-2012

Re: ouch walmart denied

I'm curious as well like the above posters....sorry, I'm on mobile so can't copy
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Frequent Contributor
bigtim
Posts: 358
Registered: ‎06-06-2009

Re: ouch walmart denied

[ Edited ]

I'm not sure if the pre-approval link and in-store application are necessarily connected. I had a a Wal-mart online account for some time and one day was on there to make a purchase and I saw the pre-approved link, followed it through and was approved, which I how I started rebuilding my credit. That was a few years back (3+ I think). I had never done an in-store app prior to that, so I think Wal-mart just does soft pulls on you from time-to-time and if you qualify, you see the offer. The offer may or may not be more likely based on a prior in-store app but it's definitely not exclusive to those who've done them.

---------------------------------------------------------------
Recent Cards:
03/2012 - Gander Mountain MC (WFNNB) 7,000 CL
04/2012 - Ace Rewards Visa (US Bank) 12,000 CL
Got brave, apped for Citi Hilton Visa 05/2012 - Denied
Back to gardening for a year or two
Valued Contributor
maiden_girl
Posts: 2,005
Registered: ‎12-29-2011

Re: ouch walmart denied

GECRB is very recon sensitive I've heard. Unfortunately you gotta wait 6 months before reapplying for any GECRB branded cards.

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Regular Contributor
luckelle
Posts: 168
Registered: ‎12-05-2007

Re: ouch walmart denied

It does seem to be strange how some one with scores higher than mine get denied for GE cards. It all seems a bit confusing but I hope the in store apping helps fico members.

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Valued Contributor
maiden_girl
Posts: 2,005
Registered: ‎12-29-2011

Re: ouch walmart denied


luckelle wrote:

It does seem to be strange how some one with scores higher than mine get denied for GE cards. It all seems a bit confusing but I hope the in store apping helps fico members.


It seems like a YMMV kinda thing *shrug*

 

The truth is out there...
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