topic Re: Walmart Store Credit Card.... Approved... and a tip to all in Credit Card Approvals

Walmart Store Credit Card.... Approved... and a tip to all

Anonymous — Fri, 16 Nov 2012 14:13:48 GMT

I got approved for a Walmart Store Card around 1 hour ago, I applied online and it's say "pre-approved" for $500 CL Store Card, I filled the application, but it didn't ask for mi DL/ID number, income, and this stuff, I submitted the applicaton and got the 7-10 days message.

Reading forums through internet, I seen that when you got this message for Walmart Credit Cards, you need to call Credit Customer Service, and I did it.

I talked with a CSR and she verified my name, address, SSN, and asked me a few things, like my income, and 3 multiple option questions to verify my identity.

1. Car associated with me.

2. Address associated with me.

3. Address associated with me.

After that, she inmediately said me: congratulations you've been approved for a Walmart Credit Card with $500 CL.

So, as a tip, if you've applied online and got the message 7-10 days call the Credit Customer Service Number: 1-877-969-3668 and check if it works for you.

By the way I only know my Credit Karma FAKO Score: 652.

This is my 3th credit card.

My credit history is 4 months, all payments on time. My oldest account is a Wells Fargo Platinium Credit Card, 4 months obviously.

I got a Capital One for Newcomers with Rewards on November 2, that is not reported to my records yet.

And now I got this one, Walmart Credit Card.

I'll wait 2 months and after that, ask for a CLI since I saw that is it really easy lol.

Greetings and I hope my information is helpful for someone.

Re: Walmart Store Credit Card.... Approved... and a tip to all

Anonymous — Fri, 16 Nov 2012 14:21:02 GMT

Congrats

Re: Walmart Store Credit Card.... Approved... and a tip to all

brother7 — Fri, 16 Nov 2012 14:26:40 GMT

CONGRATULATIONS!

I got the Walmart Discover 2 weeks ago for the sole purpose of getting the free monthly TU08 FICO scores.

In my case, the CK Transrisk score (695) and Walmart TU08 FICO (698) are very close, at least for November.

It'll be very interesting to track these 2 scores in the coming months because my credit profile will be all over the place, with more cards yet to report, from 1 to 6 cards reporting a balance at any given time, and individual card utilization ranging from 1% to 35%.

Eventually, I'll settle back into my usual routine (all zero balances except for one reporting 1%).

Enjoy your new card! And don't forget to sign up for paperless billing to get your free monthly TU08 FICO.

Re: Walmart Store Credit Card.... Approved... and a tip to all

Epcot — Fri, 16 Nov 2012 16:08:52 GMT

Congrats on the approval. Same thing happened to me when I applied monday. Online it showed you are pre-approved and only asked for Social/DOB/Phone number. I got the 7-10 day message and called in. They asked three id questions, nothing about income or address and got the approval.

What is strange is that it is now friday, I just checked my reports and no HP has posted. Would be nice if it stays that way, but would it hurt my CLI chances down the road? Hope not.

Re: Walmart Store Credit Card.... Approved... and a tip to all

webhopper — Fri, 16 Nov 2012 16:20:14 GMT

Hi! Congratulations on your new credit card and welcome to the MyFico forum!!!

Thank you for sharing this information, I'm sure it will help a lot of folks!

Re: Walmart Store Credit Card.... Approved... and a tip to all

wallyworld123 — Fri, 16 Nov 2012 19:38:09 GMT

Congrats on the card and welcome to the forum the walmart card will definitely grow.

Re: Walmart Store Credit Card.... Approved... and a tip to all

beb86 — Fri, 16 Nov 2012 19:57:51 GMT

Would wait until after the 4th statement to post to request a CLI

Re: Walmart Store Credit Card.... Approved... and a tip to all

Repo-ed — Fri, 16 Nov 2012 20:34:17 GMT

make sure to sign-up for paperless billing, so you get free monthly TU score

Re: Walmart Store Credit Card.... Approved... and a tip to all

jmcmillan — Fri, 16 Nov 2012 20:39:14 GMT

What's the process for walmart preapproval? Is it similar to WFNNB check-out method?

Which CRA do they usually run?

Re: Walmart Store Credit Card.... Approved... and a tip to all

Epcot — Fri, 16 Nov 2012 21:08:48 GMT

@jmcmillan wrote:
What's the process for walmart preapproval? Is it similar to WFNNB check-out method?

Which CRA do they usually run?

As far as I can tell, I just had a walmart.com account and while logged in I went to apply for the card. Upon clicking Apply it gave me the pre-approval with my name/address filled out, instead of the entire application. It just asked for DOB/Social and a phone number.

They usually pull TU. Although they have yet to HP me and I got approved on monday.

Re: Walmart Store Credit Card.... Approved... and a tip to all

nicholasyud — Fri, 16 Nov 2012 21:17:33 GMT

They 99% pull TU

Re: Walmart Store Credit Card.... Approved... and a tip to all

postalmommy — Fri, 16 Nov 2012 21:35:34 GMT

Congrats! I was approved earlier this week too but with a CL of $150. Any tips on achieving a speedy CLI?

Re: Walmart Store Credit Card.... Approved... and a tip to all

nicholasyud — Fri, 16 Nov 2012 22:33:34 GMT

Used your card and PIF..........ask them be4 Christmas......They might grand you some.......

Re: Walmart Store Credit Card.... Approved... and a tip to all

Anonymous — Sat, 17 Nov 2012 00:47:47 GMT

Thank you to all for the welcome. And for the pre-approval question, I just logged in on my Walmart account, click apply and I got the pre approval message.

I would recommend apply online than in a store, because my dad were denied 2 times applying in the store and ain't got any letter explaining what he has denied.

Now I think it is the problem, the identity verification.

Re: Walmart Store Credit Card.... Approved... and a tip to all

nicholasyud — Sat, 17 Nov 2012 00:56:32 GMT

@Anonymous wrote:
Thank you to all for the welcome. And for the pre-approval question, I just logged in on my Walmart account, click apply and I got the pre approval message.

I would recommend apply online than in a store, because my dad were denied 2 times applying in the store and ain't got any letter explaining what he has denied.

Now I think it is the problem, the identity verification.

Your father always call them and speak to underwrite department. Give them informaiton that they ask for. Look like they denied him due to address change or incorrect information on your credit profile. Sometime they just need to verify who you are..

Re: Walmart Store Credit Card.... Approved... and a tip to all

postalmommy — Sat, 17 Nov 2012 02:40:20 GMT

@nicholasyud wrote:
Used your card and PIF..........ask them be4 Christmas......They might grand you some.......

thanks. definitely worth a try.