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

Re: Walmart Credit Card - easy to get?

They listed high balances and I think there was something about time since recent negative credit. Bankruptcy was discharged in February of 2010. Other than some tax liens, nothing else bad since then. 

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.
Posts: 230
Registered: ‎10-01-2012

Re: Walmart Credit Card - easy to get?

Walmart is on my wishlist for maybe next month.  What' I've read often is that people order something through Walmart online using their credit card, and then when they return to the account, Walmart has given them a pre-approved offer (soft pull).  I kept reading this over and over, and I have ordered from Walmart online for years but I always used a debit card!  So now I'm planning to order using my credit card next month and see if that works.  Also, some people have gotten pre-approved offers at the register when paying with a credit card.

Established Contributor
Posts: 835
Registered: ‎12-09-2012

Re: Walmart Credit Card - easy to get?

So if you apply and are approved  or denied does it say so instantly or have to wait for a decision in the mail?

12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)
1/15/14 TU 665 | EQ 648 | EX 655 ~Myfico scores
6/8/14 TU08 666 | EQ08 656 |EX08 655 } EQ04
My Wallet: Cap1 3,500K ~FH 950 Credit One 1000~Orchard Bank 2000~ Matrix 400 ~NFCU nRewards 18K~NFCU Cash Rewards signature| 5K
Last Negs to fall off: 2-Cap1 CO's PD (fall off 1/17)~Forclosure (fall off 1/16)
Posts: 12,952
Registered: ‎04-15-2011

Re: Walmart Credit Card - easy to get?

It will be an instant approval and give you your CL.  You make one application and they will put it in for a Discover first, if no go on that, they will put it through for the store card.  This is all done in just a few seconds.

Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Posts: 147
Registered: ‎11-28-2012

Re: Walmart Credit Card - easy to get?

I have put the Barclays Rewards card on my wishlist for next yr over this one, however I have read it is BK friendly?

Rebuilding Since 11/11
Current Score: 659 5/14 | Goal Score: 710+ 4/15
Cap 1 Quicksilver 2250 | Cap 1 Visa 2000 | Barclays Apple Visa 2000 | Discover IT 1500 | American Signature Store 1000 |

Rebuilders: First Natl 850 | Show MC 550 | Walmart Store 150 | American Eagle Store 150 ~~ Garden rest of 2014
Senior Contributor
Posts: 3,491
Registered: ‎07-25-2008

Re: Walmart Credit Card - easy to get?

I've gone back and forth over the idea of getting it for TU score but never pulled the trigger.


A year or two ago it seemed pretty easy to get. Not sure about now, though.

Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO

Take the FICO Fitness Challenge
Regular Contributor
Posts: 242
Registered: ‎12-11-2012

Re: Walmart Credit Card - easy to get?

I applied for Walmart cc about 2 weeks ago online, I didn't think I would be approved but instantly I was apprived for $200 cl!! Even though it was a low cl, I was very happy to even get one and now I can start building it from here! I was denied by JCP. So I recommend the Walmart before JCP.

Regular Contributor
Posts: 162
Registered: ‎11-13-2012

Re: Walmart Credit Card - easy to get?

i was declined recently with TU score listed below the large collection from 2/2012 seems to scare everybody away :smileysad:

Starting Score: Exp:513 | TU:541 | EQ:517 - 11/13/2012
Current Score: Exp:623 | TU FICO:639 | EQ FICO:743 - 01/24/2012
Wallet: Applied Bank $200, OpenSkyCC $300, 1st Tech CU Secured $2k, Discover IT $1.5k, CITI AA $2.8k, USAA AMEX $7.5k
Take the FICO Fitness Challenge
New Member
Posts: 4
Registered: ‎03-22-2013

Re: Walmart Credit Card - easy to get?


  yea ,it's easy to get  If you are looking for the best prices and discounts your will probably go to WalMart. You will probably see these discounts everywhere. If you love shopping in WalMart, you will probably like they well known credit cards called Walmart credit card

New Visitor
Posts: 1
Registered: ‎06-10-2014

Re: Walmart Credit Card - easy to get?


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+