topic Re: Lowest credit score needed for walmart & target in Credit Card Applications

Lowest credit score needed for walmart & target

Anonymous — Tue, 07 Mar 2017 02:41:20 GMT

Hi im rebuilding my credit my current scores are:
593 TU, EX 624, EQ 574. I' ve have the following cards for 7 months: Cap1secured 400 limit + rcvd 300 CLI last month, discover secured 200 CL, total visa 300 CL, just rcvd credit one visa w/ 300 CL, .... I would like a walmart or target cc.... Has anyone been approved with similar scores?

Re: Lowest credit score needed for walmart & target

Aduke1122 — Tue, 07 Mar 2017 06:15:15 GMT

650s to be on the safe side but I have seen some approved with as low as 600-620 for Wal Mart , they would pull TU . And as far as target goes , you can get approved for your scores they would pull EQ , it would be a smaller SL but I think you could get in .

Re: Lowest credit score needed for walmart & target

Aduke1122 — Tue, 07 Mar 2017 06:15:41 GMT

But Target is inquiries sensitive so keep that in mind also

Re: Lowest credit score needed for walmart & target

TXinandout — Tue, 07 Mar 2017 15:22:48 GMT

I would say at least 620.

Re: Lowest credit score needed for walmart & target

Anonymous — Wed, 08 Mar 2017 19:52:46 GMT

I was barely over 600 with EQ and I got a 500 sl with Target. My wife was in the low 600's and got a 500 card with Walmart. IMO the Walmart will grow a lot faster, but you do get 5% off with Target

Re: Lowest credit score needed for walmart & target

Anonymous — Wed, 08 Mar 2017 20:22:05 GMT

Search for the credit pulls database and the answer to your question will be there as you'll be able to see the scores of people that were approved and denied for the card(s) you are considering.

Re: Lowest credit score needed for walmart & target

MrsCHX — Wed, 08 Mar 2017 20:59:05 GMT

I was around 620 when I got mine. I think your TU is a little low (both Target and WM pulled TU for me).

What's your utilization currently? If you're over 10% you may be getting dinged a little there and paying down your balances could bring your TU up over 600. Otherwise, if you give it a few months you should be in a better spot to app for one or both.

Re: Lowest credit score needed for walmart & target

Anonymous — Thu, 09 Mar 2017 16:14:42 GMT

Is target card a different bank than it was in the past? I burned them previously about 7-10 years ago.

Re: Lowest credit score needed for walmart & target

Anonymous — Mon, 13 Mar 2017 15:59:20 GMT

Is Walmart inquiry sensitive?

Re: Lowest credit score needed for walmart & target

Anonymous — Mon, 13 Mar 2017 19:43:18 GMT

Kohls will give you a card. I got denied by both Walmart and Target with scores like yours and nothing bad in 4 years and six figure annual income. Really by the time you can get a card from either of them why would you want one.

Re: Lowest credit score needed for walmart & target

Isacking97 — Tue, 14 Mar 2017 19:11:57 GMT

For walmart store card (not mc) about 630 with no recent badies

@Anonymous wrote:
Hi im rebuilding my credit my current scores are:
593 TU, EX 624, EQ 574. I' ve have the following cards for 7 months: Cap1secured 400 limit + rcvd 300 CLI last month, discover secured 200 CL, total visa 300 CL, just rcvd credit one visa w/ 300 CL, .... I would like a walmart or target cc.... Has anyone been approved with similar scores?

Re: Lowest credit score needed for walmart & target

Anonymous — Fri, 17 Mar 2017 20:01:12 GMT

I just got both the Walmart and Amazon store cards (500/800 cl). I believed they pulled from EQ but I might be wrong. It's possible but I don't think you would get approved for the Visa cards

My current scores (3/15/17) 626 EQ/608 TU/ 630 EX

Re: Lowest credit score needed for walmart & target

Anonymous — Sat, 02 Dec 2017 02:37:00 GMT

I have two secrured cards, discover and opensky, a bridgestone card through CFNA, Self Lender and finger hut, I was denied a amazon card two months ago and they are the same creditor as walmart, I just got approved today for a Walmart card instantly online for $500 and Im pretty excited about it!!!!!!!! My score on credit karma of my points going up today Dec, 1st is 681 TU, 663EQ, and 651EXP but I have NO FICO score as my accounts are only just nearing 5 months old... Whe I got denied for Amazon my TU was 651... hope this helps..