Established Member
Posts: 22
Registered: ‎12-07-2011
Walmart Credit Card

I got approved on store credit today. i think it's a store credti. It's saying $300 limit but I'm confuse if this

is only for online shopping. 

 

I applied online a month after I purchase a snow boots for $15.00 online.


Starting Score FICO SCORE 8: Equifax 605, TU 609, Experian 620, Bankruptcy November 9, 2011 (Discharge Date)
Rebuilding. In my wallet CAP1 @ $300 now $500 after 6 months, Cap1 @ $300, Synchrony/Old Navy, Walmart @ $200 Auto loan - $25K @ $490/month, school loan $20K, 4 hard inquiry
Goal Score: 700



Valued Contributor
Posts: 2,136
Registered: ‎06-16-2012
Re: Walmart Credit Card

aissa_sf wrote:

I got approved on store credit today. i think it's a store credti. It's saying $300 limit but I'm confuse if this

is only for online shopping. 

 

I applied online a month after I purchase a snow boots for $15.00 online.


if you applied at the store you will eventually get the card in the mail in about 7 business days. The same card is used for online shopping at walmart.com.

gardening since 5/21/2016
Moderator
Posts: 27,207
Registered: ‎09-13-2012
Re: Walmart Credit Card

dodgerslv wrote:

aissa_sf wrote:

I got approved on store credit today. i think it's a store credti. It's saying $300 limit but I'm confuse if this

is only for online shopping. 

 

I applied online a month after I purchase a snow boots for $15.00 online.


if you applied at the store you will eventually get the card in the mail in about 7 business days. The same card is used for online shopping at walmart.com.


+1

 

Now off to the garden. Give your scores time to grow, get your util down, inq's to fall off and let your bk age. 

 

Walmart CL will grow and you will see an increase in your score. 

Established Contributor
Posts: 712
Registered: ‎06-11-2012
Re: Walmart Credit Card

You can use it online and in the store.


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in the garden since 1/24/14 - #GARDENSTRONG
Established Member
Posts: 22
Registered: ‎12-07-2011
Re: Walmart Credit Card

Thanks guys!!!


Starting Score FICO SCORE 8: Equifax 605, TU 609, Experian 620, Bankruptcy November 9, 2011 (Discharge Date)
Rebuilding. In my wallet CAP1 @ $300 now $500 after 6 months, Cap1 @ $300, Synchrony/Old Navy, Walmart @ $200 Auto loan - $25K @ $490/month, school loan $20K, 4 hard inquiry
Goal Score: 700



Mega Contributor
Posts: 15,446
Registered: ‎04-09-2011
Re: Walmart Credit Card
CONGRATS!!!!



EQ FICO 548 3/3/16
Community Leader
Senior Contributor
Posts: 3,801
Registered: ‎07-12-2012
Re: Walmart Credit Card

Can I ask what type of BK you had? I am very interested in a Walmart card and trying to gather info while I wait to apply Smiley Happy Seems like 2yrs is a sweet spot for them.

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
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734 TU FICO 05/2016
740 EX FICO 05/2016
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Established Member
Posts: 22
Registered: ‎12-07-2011
Re: Walmart Credit Card

i think my BK is just because of repossession and other miscellaneous stuff.. no mortgage though and no major credit cards. tr5ying to avoid school loan payment and it was hard time for me. But you should be able to get approve. Try to do it online. I think with your credit score you'll be okay.


Starting Score FICO SCORE 8: Equifax 605, TU 609, Experian 620, Bankruptcy November 9, 2011 (Discharge Date)
Rebuilding. In my wallet CAP1 @ $300 now $500 after 6 months, Cap1 @ $300, Synchrony/Old Navy, Walmart @ $200 Auto loan - $25K @ $490/month, school loan $20K, 4 hard inquiry
Goal Score: 700



Mega Contributor
Posts: 15,446
Registered: ‎04-09-2011
Re: Walmart Credit Card

Scupra wrote:

Can I ask what type of BK you had? I am very interested in a Walmart card and trying to gather info while I wait to apply Smiley Happy Seems like 2yrs is a sweet spot for them.


You may want to give it 6 more months to gain some more history on your current cards and raise your FICO some. GE is BK friendly but 620 is borderline for approval and a recent BK isn't helping.

 




EQ FICO 548 3/3/16
Established Contributor
Posts: 955
Registered: ‎02-02-2013
Re: Walmart Credit Card

+1 to the garden. 

Let those hard inquiries drop off while you work out the baddies. 

If you do and get both taken care of, by the time the inq fall away you should sitting pretty. 

Remember keep your util down so when you exit the garden you will not need to really buy the balances down. 

 

Smiley Happy


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