topic Re: Walmart Credit Card approved in Credit Card Approvals

Walmart Credit Card approved

Anonymous — Thu, 20 Oct 2011 05:06:52 GMT

Went ahead and applied for a Walmart card...figured, what the hey? I shop at Walmart all the time, I can add some $$ to my overall credit limit, my credit is already going to take a dive (of sorts) when these other 2 new accounts hit (Citi and AMEX), and I get a free FICO every month.

Sadly, I was only approved for $400 CL. This seems like somewhat of a slap in the face given I just got a Citi card for $4,000, and I'm assuming they pulled TU which my score is 713-ish...seems like a low CL. Does anyone know if GEMB is good with giving CLI's? Now I don't know if it was worth the hit or it

All this after I swore to myself I would not apply for anything else until at least 2012.

Re: Walmart Credit Card approved

Guava — Thu, 20 Oct 2011 05:15:56 GMT

Congrats! GEMB seems to be pretty easy with CLI recently. There were a bunch of threads about members getting all kind of increase; and supposedly, just like clockwork, you can initiate soft pull CLI every 4 statements.

Re: Walmart Credit Card approved

ltorres25 — Thu, 20 Oct 2011 05:35:10 GMT

The fact that you got an instant approval makes me nervous. I to applied for a cc with walmart but was told to wait a few days for a response. I mine as well chalk this one up in the loss column

Congrats on your approval, although only 400 but it is still something that can help your score.

Re: Walmart Credit Card approved

Anonymous — Thu, 20 Oct 2011 05:41:05 GMT

Thanks guys. I know I should feel happy, but I can't help but feel disappointed at my limit. I think I just let that Citi card with an usually high limit get to my head...now I scoff at these lower limits, when I really have no business having huge CL's given my age of accounts (all <1 year).

Yes, I was instantly approved, but just because you weren't doesn't mean you didn't get it! There are tons of people who don't get approved instantly but still get approved in the end...just be patient. Do you have income, itorres? I was stupid and applied for a crapload of things when I was 18 with NO income...denied on all. You have to have a job with income or you're going to have a helluva time getting approved.

Re: Walmart Credit Card approved

notmyj — Thu, 20 Oct 2011 06:16:18 GMT

I got my walmart card back in december. My scores were around 625. I got an instant $1100. This summer, I hit the love button on my BBRZ Mastercard and they doubled my limit to $600. Upon seeing this, I hit the love button from walmart and they gave me another $100, making my current limit $1200 with a 0 balance. Infact, I just payed everything off in full this month. But, last month I got an American Eagle card also from GEMB, and I only got a $125 limit so take that for what its worth.

Re: Walmart Credit Card approved

Anonymous — Thu, 20 Oct 2011 06:23:16 GMT

Should I call and immediately request a CLI? Or does that seem desperate...or greedy, I suppose?

Re: Walmart Credit Card approved

KIPPIE12 — Thu, 20 Oct 2011 06:59:17 GMT

You already took the hard for it anyway, try them and see what they say. Tell them you are dissatisfied with the initial credit line, and tell them what you expect. Could cost you another hard, or maybe only a soft. Or, they may tell you to show some activity and payment pattern for the infamous 4 month timeframe, and then hit the cli button. Four months will be here and gone before you know it.

Good luck either way, and keep us informed as to what happens.

Re: Walmart Credit Card approved

CreditCrusader — Thu, 20 Oct 2011 12:22:22 GMT

@Anonymous wrote:
Should I call and immediately request a CLI? Or does that seem desperate...or greedy, I suppose?

With where your credit scores are right now, I'd just use and pay that thing off each month because you'll be first in line for a fat jump. When you hit the luv button in 4 months, they'll probably jack your limit up above $1,000.

Re: Walmart Credit Card approved

Anonymous — Thu, 20 Oct 2011 14:30:14 GMT

GEMB was pretty nice to me. I applied for a Banana Republic Visa earlier this week and they gave me $2200 with an instant approval. I was like at the register. Maybe they will raise yours after a while!

Re: Walmart Credit Card approved

sweetschuni — Thu, 20 Oct 2011 22:18:52 GMT

@ltorres25 wrote:
The fact that you got an instant approval makes me nervous. I to applied for a cc with walmart but was told to wait a few days for a response. I mine as well chalk this one up in the loss column

Congrats on your approval, although only 400 but it is still something that can help your score.

Did you find out if you were approved?

Re: Walmart Credit Card approved

ltorres25 — Thu, 20 Oct 2011 23:08:26 GMT

FloridaState12,

Yes I do have an income, I am currently employed and have been with the same company for the past 2 years (I am 23 years old). I am also currently a college student, not sure if that helps or not but they ask that on the app.

sweetschuni,

I have yet to get any response. I am thinking of just calling and seeing what the status is.

Re: Walmart Credit Card approved

Anonymous — Fri, 21 Oct 2011 01:42:11 GMT

Then it must be your lack of credit history hurting you. Because I'm only 20, a college student, and I've been at my job less than a year. I had a heck of a time getting my first card too. It's kinda stupid when you consider with these so-called "student" cards, often times you need a credit history...isn't that the whole point of the card? That you DON'T have a history?

I digress. But I would try Cap1...that's who finally gave me my first card.

Re: Walmart Credit Card approved

ltorres25 — Fri, 21 Oct 2011 02:44:16 GMT

I called walmart's credit card department and found out I was DECLINED!

I just don't want to keep trying and hurting my score with inquiries so I am going to pause on applying for a while. I only have 2 inquiries right now but to me that is enough.

FloridaState you are right about the student cards, they kind of miss the whole point in someone who is in college trying to build a credit history. But what can I do, I will just get a secured card with BofA for now and work my way up from there.

Re: Walmart Credit Card approved

Anonymous — Fri, 21 Oct 2011 03:04:49 GMT

@ltorres25 wrote:
I called walmart's credit card department and found out I was DECLINED!

I just don't want to keep trying and hurting my score with inquiries so I am going to pause on applying for a while. I only have 2 inquiries right now but to me that is enough.

FloridaState you are right about the student cards, they kind of miss the whole point in someone who is in college trying to build a credit history. But what can I do, I will just get a secured card with BofA for now and work my way up from there.

Aw man! I'm sorry to hear that. But I feelt ya...it took me over a year to finally get a dang credit card of my own. I would try and call for a recon at the very least. Explain to them that you're new to credit and need a card to start you off with.

Yeah I JUST got my first actual "student" card from a big bank last week when I got my Citi card. I'm telling you, try Cap1. Apply for an unsecured Classic Platinum Mastercard...if you don't get it, they'll usually counter-offer you a sucured card and I BELIEVE (someone else would have to confirm) that they use that same inquiry instead of a new one.

I tihnk it'd be better to apply for an unsecured then get countered with a secured, rather than just settle for a secured immeditely. Again, I'm not entirely positive but I believe they would use the same inquiry for your secured card ans the unsecured one (assuming you don't get approved). You could always call and ask Cap1, I suppose.

Regardless, good luck with whatever you decide!

Re: Walmart Credit Card approved

revvystoke — Fri, 21 Oct 2011 03:09:38 GMT

When I was in college I didnt qualify for any student cards, I didn't get a credit card until I was a Junior in college, halfway to 18. I was turned down for a couple student cards but was approved for a regular discover card...go figure. Capital one seems to be the best for building history if you are unable to find anything else with limited history, and piling on hardpulls certainly does not help the situation.

Re: Walmart Credit Card approved

terren2000 — Mon, 24 Oct 2011 04:04:02 GMT

Screw the "Love button".

I use the love button for a year, and went from $350 to $575 in one year.

I got fed up, and called the recon and told them Ive been faithful for a year, and im tired of these 34, 50, 75 dollars CLI's.

he ask me what are you looking for. I told him Im looking to at least dbl my credit line and be at around $1000,

So he did something came back, and told me my new redit line would be $1200.

Screw "the love button" and call the back door number.

Wal-Mart 877-294-8770

Re: Walmart Credit Card approved

Anonymous — Mon, 24 Oct 2011 05:20:46 GMT

@terren2000 wrote:
Screw the "Love button".

I use the love button for a year, and went from $350 to $575 in one year.

I got fed up, and called the recon and told them Ive been faithful for a year, and im tired of these 34, 50, 75 dollars CLI's.

he ask me what are you looking for. I told him Im looking to at least dbl my credit line and be at around $1000,

So he did something came back, and told me my new redit line would be $1200.

Screw "the love button" and call the back door number.

Wal-Mart 877-294-8770

I called a number (don't remember if that was it or not) and the lady said they needed my account number to do anything...which I don't know it yet. So I'm going to call back once I get my card and see.

I was going to say I want to buy a TV, so I need a higher limit...does that seem like maybe a risk to them? What "excuse" do you think I should give them for needing a CLI already?

Re: Walmart Credit Card approved

Odiseous — Mon, 24 Oct 2011 06:14:01 GMT

@Anonymous wrote:
@terren2000 wrote:
Screw the "Love button".

I use the love button for a year, and went from $350 to $575 in one year.

I got fed up, and called the recon and told them Ive been faithful for a year, and im tired of these 34, 50, 75 dollars CLI's.

he ask me what are you looking for. I told him Im looking to at least dbl my credit line and be at around $1000,

So he did something came back, and told me my new redit line would be $1200.

Screw "the love button" and call the back door number.

Wal-Mart 877-294-8770
I called a number (don't remember if that was it or not) and the lady said they needed my account number to do anything...which I don't know it yet. So I'm going to call back once I get my card and see.

I was going to say I want to buy a TV, so I need a higher limit...does that seem like maybe a risk to them? What "excuse" do you think I should give them for needing a CLI already?

I don't know about GEMB.

But: when I called BofA about a low limit after a card app, "Please cancel my account, due to the insultingly low limit" (I hadn't even activated the card yet), was a good enough reason for them to meet my request to match the CL on my other cards.

Re: Walmart Credit Card approved

mrcredit7 — Sun, 22 Jan 2012 18:22:51 GMT

Just wondering.. i wanted to get a citi card...so are you saying they pulled your fico from TU b/c mine is 719..maybe I can get a $4k limit also.

Re: Walmart Credit Card approved

CS800 — Sun, 22 Jan 2012 18:50:35 GMT

@mrcredit7 wrote:
Just wondering.. i wanted to get a citi card...so are you saying they pulled your fico from TU b/c mine is 719..maybe I can get a $4k limit also.

CITI's pulls depend on your location.

In MA i see that they pull EX