topic Re: Walmart Credit Approval in Credit Card Applications

Walmart Credit Approval

Anonymous — Wed, 07 Jan 2015 23:58:43 GMT

I've recently overdosed on 9 comenity bank card's with limit's between $250-500 plus a Zales Gem Account $ 1200 and Navy Federal Visa $6,000. My score's are TU 601 Exp 595 Eq 569 with utilization currently @ 30%. My question is it before to apply in the store or online for a card?

Re: Walmart Credit Approval

Anonymous — Thu, 08 Jan 2015 00:05:47 GMT

@Anonymous wrote:
@I've recently overdosed on 9 comenity bank card's with limit's between $250-500 plus a Zales Gem Account $ 1200 and Navy Federal Visa $6,000. My score's are TU 601 Exp 595 Eq 569 with utilization currently @ 30%. My question is it before to apply in the store or online for a card?

Your best right now is to garden , not apply for any more cards and pay down the ones you have.

Re: Walmart Credit Approval

dursty87 — Thu, 08 Jan 2015 00:07:09 GMT

@Anonymous wrote:
@Anonymous wrote:
@I've recently overdosed on 9 comenity bank card's with limit's between $250-500 plus a Zales Gem Account $ 1200 and Navy Federal Visa $6,000. My score's are TU 601 Exp 595 Eq 569 with utilization currently @ 30%. My question is it before to apply in the store or online for a card?
Your best right now is to garden , not apply for any more cards and pay down the ones you have.

+1. Time to let your new accounts age. Hope to see you in the garden!

Re: Walmart Credit Approval

Anonymous — Thu, 08 Jan 2015 00:11:42 GMT

Exactly what above posters said! Garden the cards you have now and you should be in good shape in 6-12 months!

Re: Walmart Credit Approval

Anonymous — Thu, 08 Jan 2015 00:13:25 GMT

Ok I'm going to garden until the summer so far all of my account's are paid as agreed

Re: Walmart Credit Approval

TRC_WA — Thu, 08 Jan 2015 01:15:05 GMT

Holy toy limit store cards Batman!

Re: Walmart Credit Approval

Anonymous — Thu, 08 Jan 2015 01:19:57 GMT

How do you get 9 cards from a bank that barely has one card worth having... oh, the humanity....

Re: Walmart Credit Approval

Anonymous — Thu, 08 Jan 2015 01:23:37 GMT

@Anonymous wrote:

How do you get 9 cards from a bank that barely has one card worth having... oh, the humanity....

Comenity?

The TR Rewards VISA is something i'd apply for if I was bored and they made the right offer.

Re: Walmart Credit Approval

Anonymous — Thu, 08 Jan 2015 01:29:59 GMT

@Anonymous wrote:
@Anonymous wrote:

How do you get 9 cards from a bank that barely has one card worth having... oh, the humanity....

Comenity?

The TR Rewards VISA is something i'd apply for if I was bored and they made the right offer.

Not me. But, not everybody has the same tastes, needs or standards. I even heard of people who have 20 bucks under the mattress and call it their "emergency fund," so there are all sorts of people in this world, and this forum...

Re: Walmart Credit Approval

TRC_WA — Thu, 08 Jan 2015 01:31:38 GMT

Comenity is good for Paypal Credit...

Synchrony is good for Care Credit...

Beyond that... they suck.

Re: Walmart Credit Approval

Anonymous — Thu, 08 Jan 2015 01:37:22 GMT

@TRC_WA wrote:
Comenity is good for Paypal Credit...

Synchrony is good for Care Credit...

Beyond that... they suck.

I wouldn't go that far. Synchony has a few good tradelines to be had, Way more than Comenity at least.

Re: Walmart Credit Approval

TRC_WA — Thu, 08 Jan 2015 01:39:45 GMT

@Anonymous wrote:
@TRC_WA wrote:
Comenity is good for Paypal Credit...

Synchrony is good for Care Credit...

Beyond that... they suck.

I wouldn't go that far. Synchony has a few good tradelines to be had, Way more than Comenity at least.

http://www.creditcardcatalog.com/credit-cards-issued-by-ge-capital-retail-bank/

Which ones?

Re: Walmart Credit Approval

Anonymous — Thu, 08 Jan 2015 01:46:21 GMT

@TRC_WA wrote:
@Anonymous wrote:
@TRC_WA wrote:
Comenity is good for Paypal Credit...

Synchrony is good for Care Credit...

Beyond that... they suck.

I wouldn't go that far. Synchony has a few good tradelines to be had, Way more than Comenity at least.
http://www.creditcardcatalog.com/credit-cards-issued-by-ge-capital-retail-bank/

Which ones?

For me, you need one store card, so either Amazon and/or Walmart would be great to have. And I heard interesting things about Ebates, but would have to research it well before having an opinion.

Re: Walmart Credit Approval

Anonymous — Thu, 08 Jan 2015 01:46:24 GMT

@Anonymous wrote:
@I've recently overdosed on 9 comenity bank card's with limit's between $250-500 plus a Zales Gem Account $ 1200 and Navy Federal Visa $6,000. My score's are TU 601 Exp 595 Eq 569 with utilization currently @ 30%. My question is it before to apply in the store or online for a card?

Sorry if we took this off topic.

I think you're doing pretty decent for someone with your scores. But you REALLY gotta tone it down with the Comenity SCT cards!

@Way to go on the NFCU Visa @ 6K!

Re: Walmart Credit Approval

CreditMagic7 — Thu, 08 Jan 2015 01:59:31 GMT

@Anonymous wrote:
@I've recently overdosed on 9 comenity bank card's with limit's between $250-500 plus a Zales Gem Account $ 1200 and Navy Federal Visa $6,000. My score's are TU 601 Exp 595 Eq 569 with utilization currently @ 30%. My question is it before to apply in the store or online for a card?

Guess i should clock in on this one too Since you've obviously OD'd on overuse of the SCT, just some friendly advice, be prepared for the withdrawl. I'm currently in purge mode myself after the initial rush from about one year ago after a similar collection of them. At first bankcards weren't much of an issue with all those catalog store cards, albeit at rather low starting lines, but as time goes forward they are coming more and more into question on U/W reviews and are posing a bit of a stall getting around them. Some good advice would be just don't pile on anymore for the sake of doing it. Know that down the line you'll need to make room for quality bankcards if that's the goal.

Re: Walmart Credit Approval

Anonymous — Thu, 08 Jan 2015 03:48:46 GMT

@CreditMagic7 wrote:

CreditMagic7, would you mind telling me the meaning of your signature? "TU excellent 4%" "EQ excellent 3%" What is that? I have never seen that before. Thanks.

Re: Walmart Credit Approval

Anonymous — Thu, 08 Jan 2015 05:51:15 GMT

Trust me out of those 9 cards only one has a balance of $72 I have an emergency fund of $300 aka the bag lady fund