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Walmart hard or soft pull?

Frequent Contributor

Walmart hard or soft pull?

Anyone have an idea? I've only found things on CLI for Walmart being a soft pull, but not for applying for a Walmart store card.

7 REPLIES
Established Contributor

Re: Walmart hard or soft pull?

You get a HP for applying.  They will most likely pull TU.  Also, anecdotal evidence suggests that you have a better chance of approval and a better initial CL if you apply in-store, and more specifically, at the registers in the electronics or jewelry departments.

   
FICO Scores 800+
Moderator Emeritus

Re: Walmart hard or soft pull?


Leadberry wrote:

You get a HP for applying.  They will most likely pull TU.  Also, anecdotal evidence suggests that you have a better chance of approval and a better initial CL if you apply in-store, and more specifically, at the registers in the electronics or jewelry departments.


+1

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Valued Contributor

Re: Walmart hard or soft pull?

I went to the website to apply late last year. I was logged in and when I went to the apply for the walmart credit card screen it told me I was pre-approved for the walmart card with a CL of $700. It was not a full app, just asked for my full social, dob and address. Nothing about income or anything else.
After applying I had to call in and answer a few security questions and she told me I was approved for the store card with a $700 CL. No HP ever showed up. I am very happy, but I am sure it is a rare experience.


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Valued Contributor

Re: Walmart hard or soft pull?


Epcot wrote:

I went to the website to apply late last year. I was logged in and when I went to the apply for the walmart credit card screen it told me I was pre-approved for the walmart card with a CL of $700. It was not a full app, just asked for my full social, dob and address. Nothing about income or anything else.
After applying I had to call in and answer a few security questions and she told me I was approved for the store card with a $700 CL. No HP ever showed up. I am very happy, but I am sure it is a rare experience.


Very rare! Good job haha

 

Mine was def a hard pull, on TU

 

-scott

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Frequent Contributor

Re: Walmart hard or soft pull?


Epcot wrote:

I went to the website to apply late last year. I was logged in and when I went to the apply for the walmart credit card screen it told me I was pre-approved for the walmart card with a CL of $700. It was not a full app, just asked for my full social, dob and address. Nothing about income or anything else.
After applying I had to call in and answer a few security questions and she told me I was approved for the store card with a $700 CL. No HP ever showed up. I am very happy, but I am sure it is a rare experience.



The same thing happened for me with Victoria's Secret & Express, although I didn't do the express one. I was curious to see if that happens for Walmart too. 

Valued Contributor

Re: Walmart hard or soft pull?

Walmart is a YMMV

 

If you apply for the card it usually consist of a hard pull.

 

If you are selected for a pre approval while signed in on their site or during check out it results in a soft pull only.

Good Luck
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Frequent Contributor

Re: Walmart hard or soft pull?


JM-AM wrote:

Walmart is a YMMV

 

If you apply for the card it usually consist of a hard pull.

 

If you are selected for a pre approval while signed in on their site or during check out it results in a soft pull only.



I tried the shopping card trick and it didn't work so I guess I'm not pre-approval material... yet! Smiley Happy