topic Re: Walmart Mastercard in Credit Card Applications

Walmart Mastercard

chalupaman — Sat, 06 Dec 2014 19:50:09 GMT

Has anyone here ever closed their Walmart store card and ended up getting the Walmart MC and if so, how long did you have the WalMart Store card prior to doing so and what was your TU FICO at the time of applying? Thanks. I can imagine that there's a big risk of ending up with the store card again and all. Also is it possible to have both of them?

Re: Walmart Mastercard

coldnmn — Sat, 06 Dec 2014 19:52:01 GMT

I have read of people getting one of each or getting two store cards when they used Discover.

Re: Walmart Mastercard

Anonymous — Sat, 06 Dec 2014 19:59:02 GMT

2 walmart storecards? Whoa.

Re: Walmart Mastercard

TheGardner — Sat, 06 Dec 2014 20:44:01 GMT

Sams club MC with a 735 score. I imagine both have similar UW.

Thats ts not to say 735 was the min just what I had at the time.

Re: Walmart Mastercard

Jerry45 — Sat, 06 Dec 2014 21:44:38 GMT

Instead of apping again at Walmart, app at Sam's Club hoping you get the Sam's MC. This way if you do not get it, you have a Sam's and WM card, instead of two Wally cards.

Re: Walmart Mastercard

chalupaman — Sat, 06 Dec 2014 22:05:16 GMT

@Jerry45 wrote:
Instead of apping again at Walmart, app at Sam's Club hoping you get the Sam's MC. This way if you do not get it, you have a Sam's and WM card, instead of two Wally cards.

I tried that and got the Club Credit card, which I just got my CLI denial reason today. It's weird though. Instead of the usual insufficient experience at current credit level, they want to see at least a month of history on the card and no, my Sams Club card still hasn't gotten here yet.

I don't even wanna apply for any Walmart cards at all, but the worst case scenario of having two exact same WalMart cards popped into my head and I wanted to know everyone's experience with that as well.

Re: Walmart Mastercard

FinStar — Sat, 06 Dec 2014 22:20:49 GMT

@chalupaman wrote:
@Jerry45 wrote:
Instead of apping again at Walmart, app at Sam's Club hoping you get the Sam's MC. This way if you do not get it, you have a Sam's and WM card, instead of two Wally cards.
I tried that and got the Club Credit card, which I just got my CLI denial reason today. It's weird though. Instead of the usual insufficient experience at current credit level, they want to see at least a month of history on the card and no, my Sams Club card still hasn't gotten here yet.

I don't even wanna apply for any Walmart cards at all, but the worst case scenario of having two exact same WalMart cards popped into my head and I wanted to know everyone's experience with that as well.

As you may already know from reading various threads, it's not scores alone that drive SYNCB approvals for the non-store version. If your credit profile isn't strong enough for the MC version, you can end up with 2 Walmart store accounts (or any others that SYNCB offers that are dual in nature). Best suggestion, let your accounts age, reduce your inquiries or appetite for credit. Your score will definitely be a plus, but as you know there are always other factors.

Re: Walmart Mastercard

chalupaman — Sat, 06 Dec 2014 23:33:25 GMT

@FinStar wrote:
@chalupaman wrote:
@Jerry45 wrote:
Instead of apping again at Walmart, app at Sam's Club hoping you get the Sam's MC. This way if you do not get it, you have a Sam's and WM card, instead of two Wally cards.
I tried that and got the Club Credit card, which I just got my CLI denial reason today. It's weird though. Instead of the usual insufficient experience at current credit level, they want to see at least a month of history on the card and no, my Sams Club card still hasn't gotten here yet.

I don't even wanna apply for any Walmart cards at all, but the worst case scenario of having two exact same WalMart cards popped into my head and I wanted to know everyone's experience with that as well.
As you may already know from reading various threads, it's not scores alone that drive SYNCB approvals for the non-store version. If your credit profile isn't strong enough for the MC version, you can end up with 2 Walmart store accounts (or any others that SYNCB offers that are dual in nature). Best suggestion, let your accounts age, reduce your inquiries or appetite for credit. Your score will definitely be a plus, but as you know there are always other factors.

Yup thanks for the reminder. As I said, I'm not applying at all for this, I was honestly pretty curious and wanted to know for future reference.

Re: Walmart Mastercard

Jerry45 — Sun, 07 Dec 2014 16:52:08 GMT

Fair enough Popa. Good Luck

Re: Walmart Mastercard

Jerry45 — Sun, 07 Dec 2014 16:56:08 GMT

I agree that it is difficult to get a Walmart Mastercard. When I first applied at Wally over the Summer, I had to battle with 5 different people at the Underwriters office to get a low limit Walmart Discover. Double Pulled also.

I have received one Auto CLI since, but have been rejected by Credit solutions and the Luv Button close to 10 times. Who knows what Synchrony is thinking? Just go with the flow

Re: Walmart Mastercard

Anonymous — Mon, 08 Dec 2014 01:33:05 GMT

@chalupaman wrote:
Has anyone here ever closed their Walmart store card and ended up getting the Walmart MC and if so, how long did you have the WalMart Store card prior to doing so and what was your TU FICO at the time of applying? Thanks. I can imagine that there's a big risk of ending up with the store card again and all. Also is it possible to have both of them?

Hi There! I didn't close my WM Store Card (I still have it) but I just recently applied & was approved for the WM MC, $1600... If I remember correctly - initially (when I first started my Credit Rebound back in April-May) I applied for a WM CC and was immediately denied (TU)... I started getting approved for other Major CC's and decided to re-apply again a month later (determined) and was finally approved, $1200... I was granted a whopping $200 CLI last month (I requested more & was denied) - which provoked me to app & hope I would get approved for the MC version, which I did... I was annoyed that I was granted only a $200 CLI from WM because at the same time I was then given a $1300 CLI on my Chevron Visa (which I use way less than my WM)... So all-in-all with Synchrony in a months time, I ended up with $1500 of CLI + $1600 of additional CL "+" another $3100 CL through Amazon (which I did not mention above) - resulting on a positive note so to speak!!! - GOOD LUCK!!!

Re: Walmart Mastercard

Anonymous — Thu, 08 Jan 2015 19:59:49 GMT

If you don't mind me asking what happened with American Express?

Re: Walmart Mastercard

Anonymous — Thu, 08 Jan 2015 20:01:49 GMT

I agree!

Re: Walmart Mastercard

Anonymous — Thu, 08 Jan 2015 20:05:28 GMT

I read on another post that you should apply every 4 months for a CLI with Wal-mart. If you apply more frequently than 4 months, you will be denied. I hope this helps.

Re: Walmart Mastercard

Anonymous — Thu, 08 Jan 2015 20:10:09 GMT

I'm with you. When I apply for a CLI on one of my SYNC cards, I ask for it on all ccs issued by them.

Re: Walmart Mastercard

taxi818 — Fri, 09 Jan 2015 21:11:27 GMT

Yes I read where some got mc. Or they had 2 store cards. Mine is finally starting to grow. Got vile to 1450. Started at 600. 6 months lAter. 750. Now. 1450.

Re: Walmart Mastercard

CreditMagic7 — Fri, 09 Jan 2015 21:35:05 GMT

@taxi818 wrote:
Yes I read where some got mc. Or they had 2 store cards. Mine is finally starting to grow. Got vile to 1450. Started at 600. 6 months lAter. 750. Now. 1450.

Mine started at $1000 1 year ago and then $1100 > $1700 > $2400 where it stands today until the next 4th statement cut. All mine were luv button approvals BTW.