topic Walmart Pre-Qual? in Credit Card Applications

Walmart Pre-Qual?

Anonymous — Sun, 19 Jul 2015 23:19:19 GMT

OK, Got another letter but, before I threw it out, DW likes WM. I hate WM.

However, if I app, can you apply for the MC version, not the store? The letter gives few details

Re: Walmart Pre-Qual?

OmarGB9 — Mon, 20 Jul 2015 06:03:57 GMT

I don't believe you get to choose. It's whatever they approve you for (if they approve you of course).

Re: Walmart Pre-Qual?

Kirmie2010 — Mon, 20 Jul 2015 10:05:21 GMT

Not using the pre qual. If its a pre qual for the store card its just for that. Pre qual for MC version, itd be that one.

You can always apply online for the MC version =/ Risk not getting approved or getting a store card instead though for your HP.

Re: Walmart Pre-Qual?

Anonymous — Mon, 20 Jul 2015 11:23:27 GMT

There doesn't appear to be an exclusice MC app so I'll pass. There is nothing appealing about a sub-$5K store card from a two-bit retailer

Re: Walmart Pre-Qual?

Jerry45 — Mon, 20 Jul 2015 14:57:11 GMT

Try Sam's Club. Ithink you get 5% off gas,and 3% for dining.

Re: Walmart Pre-Qual?

Anonymous — Mon, 20 Jul 2015 15:08:35 GMT

Closest Sam's is 25 miles. Already have Costco & old BJs

Re: Walmart Pre-Qual?

ryox03 — Fri, 24 Jul 2015 11:45:54 GMT

You can use their store card online to buy from other retailers. Example, I just used the site a couple of weeks ago to get a video card from tigerdirect. On top of that you get the price comparisons.

Re: Walmart Pre-Qual?

Anonymous — Mon, 27 Jul 2015 00:34:53 GMT

Is the initial app always a store card or is the MC a possibility?

Re: Walmart Pre-Qual?

Anonymous — Mon, 27 Jul 2015 05:49:52 GMT

I don't like Wal Mart's way of doing business but took their prequal card 13 months ago for $600 and now it's at $6000. Great for utilization. Plus for selected health and beauty aids stuff that we cant get at Costco, and oddball non food items, we use it. I buy just odds and ends there foodwise.

If you had a Target prequal I would say forget it. But you can get a good limit out if Wal Mart if you go for clis every 4 months via chat.

Re: Walmart Pre-Qual?

Existentialist — Mon, 27 Jul 2015 19:40:57 GMT

@Anonymous wrote:
Is the initial app always a store card or is the MC a possibility?

You'll be approved on the card U most qualify for.

Re: Walmart Pre-Qual?

Anonymous — Tue, 28 Jul 2015 16:45:07 GMT

At DWs insistence, uggggh

No frills message, "congratulations, you'll receive your card in 7-10 days"!

No other info whatsoever

Re: Walmart Pre-Qual?

Existentialist — Tue, 28 Jul 2015 20:01:56 GMT

@Anonymous wrote:
At DWs insistence, uggggh
No frills message, "congratulations, you'll receive your card in 7-10 days"!
No other info whatsoever

Well.... least DW will be happy

Re: Walmart Pre-Qual?

Anonymous — Thu, 30 Jul 2015 16:42:04 GMT

LOL,

No further contact from Synchrony/Walmart but, MyFICO alert today shows new account $1.2K SL. Wonder if I can get a CLI &/or MC upgrade when the card actually arrives

Re: Walmart Pre-Qual?

taxi818 — Thu, 30 Jul 2015 22:45:49 GMT

@Anonymous wrote:
LOL,
No further contact from Synchrony/Walmart but, MyFICO alert today shows new account $1.2K SL. Wonder if I can get a CLI &/or MC upgrade when the card actually arrives

Congrats. No chance of upgrade when you get the card. They don't allow consumer requested upgrades. they will offer it to you however in the future after some history. But no one knows when. Honestly. Before they converted from Discover to MasterCard. upgrades were being offered between 6 months to a year. Now. its already been a year. (August). since the switch. And very i mean very few has gotten upgraded. Most have just applied for a second card. and got the mastercard that way. But the risk is to have 2 store cards. Its just how synchrony rolls. Not just at walmart. But many of their cards. pay pal included. If you don't qualify for top tier. They give you consolation prize. if not denial.

Re: Walmart Pre-Qual?

Anonymous — Thu, 30 Jul 2015 22:58:16 GMT

It will snow in Miami during August before I apply to Walmart again...! I honestly can't imagine ever taking advantage of their 0% offers since even the higher end brands they sell are the junk versions

Re: Walmart Pre-Qual?

taxi818 — Thu, 30 Jul 2015 23:02:41 GMT

@Anonymous wrote:
It will snow in Miami during August before I apply to Walmart again...! I honestly can't imagine ever taking advantage of their 0% offers since even the higher end brands they sell are the junk versions

I can understand Disliking them. however there are a few things i buy from them. I bought my Eyeglasses there. as they were half of LenseCrafters or VisonWorks. Small things for house hold. And there are some benfits to the card. The free Transunion Fico for one of them. outstanding. it updates way faster than here at myfico. Also the Cash over purchase is not bad. up to $120 dollar of cash at 0percent. not even considered Cash advance just purchase. so it is not that bad. I do agree. i have a 5k strore card. not in siggy. I use it and pay very slow. in hopes of getting upgrade. If not. it will die a slow death like my Macy's.

Re: Walmart Pre-Qual?

Anonymous — Thu, 30 Jul 2015 23:14:44 GMT

I'm all for diversity but, every employee, legal or illegal, should speak English, "no comprende" is BS in ANY retail store in the USA.. Don't give that "Happy Face" crap