topic Re: Wal Mart Application process in Credit Card Applications

Wal Mart Application process

Anonymous — Thu, 08 Dec 2016 19:37:27 GMT

I have been wanting to apply for a wal mart card. can i get some data points? like scores they look for? who they pull from? etc etc

Re: Wal Mart Application process

Scupra — Thu, 08 Dec 2016 19:39:46 GMT

It is backed by Sync so most likely TU.

Re: Wal Mart Application process

Anonymous — Thu, 08 Dec 2016 19:49:11 GMT

@Anonymous wrote:
I have been wanting to apply for a wal mart card. can i get some data points? like scores they look for? who they pull from? etc etc

Applied for the Walmart Store Card on 12/3/2016 - HP from TU (My fico at the time of app was 675).

Approved for $1200 - called in to request a CLI for $10K they countered with $4K (thank you creditaddict).

You have access to the credit limit within 5 minutes that you can use online or store pickup, or you can go to the store with your ID and they can find your card information that way.

Good Luck if you decide to apply.

Re: Wal Mart Application process

Anonymous — Thu, 08 Dec 2016 19:54:55 GMT

aside from CCT. is there anyone that has our TU score. I checked it on 11/4 and it was a 625. @ that time my EX was a 635 and my EX is now a 648. So i am assuming my TU score has probably went up. but im not sure to what. Was waiting to pull my score again from CCT until after the EX score went over 650.

Re: Wal Mart Application process

Aduke1122 — Thu, 08 Dec 2016 20:27:20 GMT

You can go to the Credit Pulls Database type in Wal Mart and see other scores of approvals , if it's within your range you may decide to go ahead but if not you may wanna wait it out a bit til your scores reach 650 , it's not uncommon to be approved for that card with a sub 650 score but you may get a smaller CL

Re: Wal Mart Application process

Anonymous — Thu, 08 Dec 2016 20:38:56 GMT

well i went ahead and bit the bullet with CCT and it showed mt TU score @ 641. So i applied for wal mart card and they approved me for $700.00 clld the credit Solutions number 866-519-6441 to see if i can get an increase and they stated no. I am happy with the $700.00 though.

Re: Wal Mart Application process

Anonymous — Thu, 08 Dec 2016 21:01:30 GMT

@Anonymous wrote:
@Anonymous i went ahead and bit the bullet with CCT and it showed mt TU score @ 641. So i applied for wal mart card and they approved me for $700.00 clld the credit Solutions number 866-519-6441 to see if i can get an increase and they stated no. I am happy with the $700.00 though.

Congrats on the approval! Will you go for the $50 statement credit and or the $75 e-gc if you buy a particualr electric?

Re: Wal Mart Application process

oldman425 — Fri, 09 Dec 2016 03:50:49 GMT

My scores are 680ish and I was approved for the store card with a $1200 limit. Two months later I tried a auto CLI, requested a increase to $2400 and it was approved.

Re: Wal Mart Application process

Cheryla18 — Sun, 11 Dec 2016 21:55:45 GMT

@Aduke1122 wrote:
You can go to the Credit Pulls Database type in Wal Mart and see other scores of approvals , if it's within your range you may decide to go ahead but if not you may wanna wait it out a bit til your scores reach 650 , it's not uncommon to be approved for that card with a sub 650 score but you may get a smaller CL

Where is this Credit Pulls database you speak of?

Re: Wal Mart Application process

Anonymous — Sun, 11 Dec 2016 22:28:04 GMT

Yeah, don't sweat the $700. If you're on an upward trajectory like most MyFICOers, it won't last long. I got my Walmart card in January at $900, and they bumped it to $1100 in July and $3K in October via the luv button.

Re: Wal Mart Application process

Anonymous — Sun, 11 Dec 2016 22:31:22 GMT

Its a hit or miss using credit pulls but it's a good way to get some data points if it were updated consistently it's user managed. You can google "credit pulls database" it's the first link that usually comes up searching with those exact terms. You can look by lender, card name, CRA and drill down further by selecting your state. It will show you what people have entered for data points.

So far from my own personal experience in MO a lot of people don't look like they put in data points so I've had other CRAs pulled on my live apps because the data there is older for MO entries.

Re: Wal Mart Application process

heavyjay — Sun, 11 Dec 2016 23:00:17 GMT

Synchrony can be pretty forgiving. When I got the Walmart card in March, my TU score was in the 620's and I had 11 derogs showing, including a Walmart charge off from 2010.

Re: Wal Mart Application process

Blackswizz750 — Mon, 12 Dec 2016 19:30:32 GMT

@Anonymous wrote:
@Anonymous i went ahead and bit the bullet with CCT and it showed mt TU score @ 641. So i applied for wal mart card and they approved me for $700.00 clld the credit Solutions number 866-519-6441 to see if i can get an increase and they stated no. I am happy with the $700.00 though.

Glad you got in. I got 800 and my scores were under 625 then. THey must be tightening the CLI 's. I tried the day after I was approved and denied. My lettter stated, Its too soon because I just received the card.