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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.

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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.

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dodgerslv wrote:

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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.

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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.

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+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. 

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Starting Score: 600's
Current Score: Exp Plus 743 04/13; 707 LP Discover 01/13 ; 733 05/13, 693 04/13, 703 03/13, 02/13, 702 TU WalMart 01/13; 702 EX LP 11/12; EQ 699 MyFico 01/13, EQ 699 11/12, CS 714 03/13
Goal Score: 800

You can use it online and in the store.

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Current Score: DCU EQ 715 - EXP+ 711 - WM TU 719
Goal Score: 750+

Capital One Secured: 750 - DCU Platinum: 1500 - Discover IT: 1250
in the garden since 1/31/13 - #GARDENSTRONG

Thanks guys!!!

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Starting Score: 542 TU after bankruptcy November 9, 2011 (Discharge Date)
Current Score: 598 TU Rebuilding. In my wallet CAP1 @ $300 now $500 after 6 months, Orchard @ $300, WheelWorks/CFNA - $1200, GE/OldNayve&Walmart $300 Auto loan - $25K @ $490/month, FingerHut $150 BADDIES - HIGH UTI but no late fees, school loak $20K, 27 hard inquiry
Goal Score: 700

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Starting Score: 455
Current Score: 550
Goal Score: 700

Take the FICO Fitness Challenge

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 Seems like 2yrs is a sweet spot for them.

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
FICO EQ 06/2013: 649 EQ
FICO TU 06/2013: 642 TU
FAKO Experian.com 05/2012: 650 EX
Cards: $500 NFCU secured - $7k NFCU cashRewards - $2k Cap1 Plat

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.

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Starting Score: 542 TU after bankruptcy November 9, 2011 (Discharge Date)
Current Score: 598 TU Rebuilding. In my wallet CAP1 @ $300 now $500 after 6 months, Orchard @ $300, WheelWorks/CFNA - $1200, GE/OldNayve&Walmart $300 Auto loan - $25K @ $490/month, FingerHut $150 BADDIES - HIGH UTI but no late fees, school loak $20K, 27 hard inquiry
Goal Score: 700

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Starting Score: 455
Current Score: 550
Goal Score: 700

Take the FICO Fitness Challenge

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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 Seems like 2yrs is a sweet spot for them.

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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.

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Silver Spade Garden Club Member - Last App 1/6/13 - No Apps until 1/7/2015 / Diamond Inspired!
Starting Score: EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 684 / EQ FICO 664 / TU08 FICO 687 / TU98 FICO 672 / TU VS 711 6/16/2013

+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. 

NFCU #1 Fan!! NO MOAR APPS TIL 10/13 Minimum!!
TU -746, EX - 721, EQ -745
Cards:NFCU Flag Visa Sig $5000, CSP $5000, AMEX BCP $2000 Freedom $3500, Disc IT $2000, Cap 1 Green $2100, Credit 1 CLOSED! AU on Amex Green, Discover $2000, Cap One Plat $1000