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Frequent Contributor
jdirilo
Posts: 331
Registered: ‎08-27-2012

walmart 7-10 day message

Has anyone received this message recently when applying for a Wal-Mart card? Any time I have received this from a creditor in the past, it meant denial. Just wondering If there is hope, and If not, at what score do they usually approve? I think I'm close to 600.
Moderator
09Lexie
Posts: 22,404
Registered: ‎09-13-2012

Re: walmart 7-10 day message

Yes! They may just want to verify some information. 

 

Call  

Frequent Contributor
Deltadog03
Posts: 345
Registered: ‎02-14-2013

Re: walmart 7-10 day message

I got that from Cap 1 and I got approved!

EX: 619 (FICO) 3/14/14
EQ: 587 (FICO) 3/14/14
TU: 579 (FICO) 3/2/14

Goal: 700 Across the board In Garden until 4/1/16
Merrick Bank (0/500) Cap 1 Secured (0/201) Cap 1 Plat (0/300)
Regular Contributor
scarzy
Posts: 207
Registered: ‎04-08-2008

Re: walmart 7-10 day message


jdirilo wrote:
Has anyone received this message recently when applying for a Wal-Mart card? Any time I have received this from a creditor in the past, it meant denial. Just wondering If there is hope, and If not, at what score do they usually approve? I think I'm close to 600.

 

Usually, that's a denial. For approval, scores needs to be in the upper 600s for consideration. With a bankruptcy, it's a little more difficult.

starting EQ FICO : 526 current EQ FICO : 640 starting TU FICO: 538 current TU FICO : 656

My wallet: Capital One cash rewards $1,300- ~ NFCU signature cash rewards $5,000- ~ NFCU nRewards $5,000- ~ NFCU LOC $1,000- ~ Target $200- ~ Kohl's $300- ~ Walmart $800- ~ Amazon $900- ~ Updated 6/2013

Discharged Ch7 Nov.16, 2012

Frequent Contributor
jdirilo
Posts: 331
Registered: ‎08-27-2012

Re: walmart 7-10 day message

I just got the itch to app after seeing so many approvals! And I was approved at rcwilley today for $500 cl (a furniture store) so I thought I'd have a chance.
Frequent Contributor
jdirilo
Posts: 331
Registered: ‎08-27-2012

Re: walmart 7-10 day message

Oh and I called and they are closed :-/
Moderator
09Lexie
Posts: 22,404
Registered: ‎09-13-2012

Re: walmart 7-10 day message


scarzy wrote:

jdirilo wrote:
Has anyone received this message recently when applying for a Wal-Mart card? Any time I have received this from a creditor in the past, it meant denial. Just wondering If there is hope, and If not, at what score do they usually approve? I think I'm close to 600.

 

Usually, that's a denial. For approval, scores needs to be in the upper 600s for consideration. With a bankruptcy, it's a little more difficult.


600 is a little low even for WalMart but its not unheard of.  They are one of the easiest to qualify for....you have already suffered the inq hit - might as well call. 

Frequent Contributor
Countingpennies
Posts: 425
Registered: ‎02-14-2013

Re: walmart 7-10 day message

Walmart denied me instantly. A 7-10 day msg. sometimes means they need more info. I say call, ya never know, and who wants to wait that long?

Frequent Contributor
jdirilo
Posts: 331
Registered: ‎08-27-2012

Re: walmart 7-10 day message

I did call!! They are closed :smileysad: will have to wait until tomorrow. Unless there is an alternative 24 hour number!
Frequent Contributor
jdirilo
Posts: 331
Registered: ‎08-27-2012

Re: walmart 7-10 day message

Does anyone know which credit bureau they pull?

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