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Regular Contributor
Posts: 237
Registered: ‎07-13-2012
0

Walmart Credit Card - easy to get?

I've been reading about the benefits of the Walmart credit card and am wondering how easy it is to get. I don't want to use an inquiry unless I'm fairly confident that I'm in the range that they will approve, I received a pre-qualified JCP app a few weeks ago. Was thinking about sending that in but I'd be more likely to use this one.

 

Thanks! 

EX 638 (Lender 9/1) TA 650(Walmart 9/1) EQ 655 (FICO - 9/17)
Goal - 700 Club in '13!!!

My Wallet - Cap 1 - $300. Cap 1 - $750. Orchard - $950.
New as of 8/29 - Target - $3000. Barclay's - $2000. Merrick - $1000. Walmart $600. And as of 9/22 - JCP $200.
Established Contributor
Posts: 1,002
Registered: ‎12-06-2011
0

Re: Walmart Credit Card - easy to get?

I was denied with a TU 599, credit file: no previous revolving credit, a 13 month car loan, student loans in repayment and an unpaid judgment. When I called to recon, credit analyst said I needed at least six months of CC payment history to be approved.


Starting Score: 486 EQ, 529 TU, 518 EX 12/6/2011 (FICOS - lender pull)
Current Score: 595 EQ SW 1/10/13 628 TU08 1/10/2013 593 EX (BoA HP) 1/5/12
Goal Score: > 620
Take the FICO Fitness Challenge! | Diamond Spade Garden Club Member: App free since 7/2012
Super Contributor
Posts: 5,703
Registered: ‎10-06-2007
0

Re: Walmart Credit Card - easy to get?

My Sams card is a GE product so if you have any other GE products and no issues with them, that could help as well.  I would take the Walmart card oover JCP any day since it could lead to other things down the road.

11/28/2014 FICO: EQ: 796 EX:788 TU:803
Regular Contributor
Posts: 237
Registered: ‎07-13-2012
0

Re: Walmart Credit Card - easy to get?

Is there a best time to apply for a new card? I have 3 cards, two with CLs of $750.00 and one with $300. The cards with $750 CLs have balances of about $700 and $650. Those will be knocked down to about $200. in two weeks. The card with the $300. CL has a balance of $120. I pay them down then use them for monthly expenses. Just keep the cycle going each month. Sometimes pay extra, sometimes spend extra. Depends on the month. Is it better to apply for a new card a few days after significantly paying down a card so they aren't shown as having most of the available credit used?

EX 638 (Lender 9/1) TA 650(Walmart 9/1) EQ 655 (FICO - 9/17)
Goal - 700 Club in '13!!!

My Wallet - Cap 1 - $300. Cap 1 - $750. Orchard - $950.
New as of 8/29 - Target - $3000. Barclay's - $2000. Merrick - $1000. Walmart $600. And as of 9/22 - JCP $200.
Established Contributor
Posts: 697
Registered: ‎03-16-2012
0

Re: Walmart Credit Card - easy to get?

Scores usually updated on the credit bureaus a few days after your statement cut... I think it would be better until you get your utilization down and then apply.. Walmart is not that hard to get... I was in the high 500's to low 600's when I got approve last May... I had 3 collections 4-5 yrs ago at the time and probably 5-6 charge offs 6-7 yrs old...


Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



Valued Contributor
Posts: 2,982
Registered: ‎02-09-2012
0

Re: Walmart Credit Card - easy to get?

www.whogavemecredit.com

5/2012: 560 credit scores across the board and $500 secured CC
12/2014: 750+ scores across the board and $80k in revolving credit

Get those baddies removed!!!
Valued Contributor
Posts: 2,661
Registered: ‎04-25-2011
0

Re: Walmart Credit Card - easy to get?


Repo-ed wrote:

www.whogavemecredit.com



Or Google "Creditboards Database" -- This database is pretty impressive... Whogavemecredit.com is kind of weak...

 

 I think I cannot link but I can mentioned it, correct MODS?

 

 

-scott

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 09/14: TU: 784 | EQ: 752 | EX: 784
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession


Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $13900, Citi/Home Depot $8500, Capital One Cash Rewards $3500, BOA $7500 Total Utilization: 3%. AAoA: 2yr, 9mth. INQS: 1 TU, 1 EQ, 3 EX
Valued Contributor
Posts: 1,772
Registered: ‎10-28-2011
0

Re: Walmart Credit Card - easy to get?

when i hit 6 mos credit and obtained my tu fico was 683 and denied with walmart. reasons were length of time of accounts and collection which was from 06 and inquiries i had 4 at the time so ymmv and you cannot recon if denied

NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Regular Contributor
Posts: 237
Registered: ‎07-13-2012
0

Re: Walmart Credit Card - easy to get?

So I guess it's 50/50 in the end. Might get it if I apply soon or I might not. Could try and have an inquiry or, not try, wait a year, keep using and paying, longer time with my current cards, scores will go up without me watching them and most likely, credit offers will come in as they have been. Most haven't been that great to I toss them in the trash (interest from the date of purchase, very high rates ect...).  I'm going to need a new computer soon but got shot down but Apple's financing company. Guess there is no rush but the Walmart card would be the most practical.

EX 638 (Lender 9/1) TA 650(Walmart 9/1) EQ 655 (FICO - 9/17)
Goal - 700 Club in '13!!!

My Wallet - Cap 1 - $300. Cap 1 - $750. Orchard - $950.
New as of 8/29 - Target - $3000. Barclay's - $2000. Merrick - $1000. Walmart $600. And as of 9/22 - JCP $200.
Valued Contributor
Posts: 1,772
Registered: ‎10-28-2011
0

Re: Walmart Credit Card - easy to get?

you applied with barclays? what was theres reasons for denial?

NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
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