topic Re: Only for Under Appreciated Walmart customers... in Credit Cards

Only for Under Appreciated Walmart customers...

My_Fako — Mon, 26 Oct 2015 03:10:21 GMT

Who else can't get the backdoor,chat to give some love!

Had card going on 9 month's, always pif. Luv button has worked one time, at statement 7 for $150. Who's stuck? I wanna feel better... I don't wanna hear from anyone with CL over... ($500)

This thread... Is only for the over looked Card-Holders.

Re: Only for people with Walmart store cards...

willwar14 — Mon, 26 Oct 2015 03:10:53 GMT

Have you worked on the reasons for denial? High Util?

Re: Only for people with Walmart store cards...

My_Fako — Mon, 26 Oct 2015 03:13:33 GMT

Yes...

Re: Only for people with Walmart store cards...

Anonymous — Mon, 26 Oct 2015 03:23:28 GMT

The other half has a stuck walmart at 500. We have ran it up paid it off multiple times, called and chatted. Just uses my account now. We got ours on the same day. I started with a 700 limit that grew small increases, on auto luv and button. Chat and call in were denials too so im pushing my luck.

Have you considered becoming a sams club member? You can app for their card and it can be used at walmart. The only reason to have both is to enjoy the special financing at both stores. If you dont use those, then a sams card is superior if you want to do business with them.

Are you in a score and util position where you would be approved for a sams store, OR MC?

Re: Only for Under Appreciated Walmart customers...

FinStar — Mon, 26 Oct 2015 03:25:02 GMT

Then it sounds like there may be other factors contributing to not getting the CLI eligibility.

What are the cited reasons? If you've tried the chat option and Credit Solutions to no avail then there's something in your profile that may be hindering those CLIs.

What's hurting me, 2 ca's one Verizon and 3rd party AT&T...

My_Fako — Mon, 26 Oct 2015 03:39:41 GMT

What's hurting me, 2 ca's one Verizon and 3rd party AT&T CA.

Score is currently down 633. Because also just open Discover, Barclays,Amazon, Target... Hurt AAOA...

I still try for a manual review. This is my only account under a grand. I have spent almost 3 grand total on my Walmart card. It's at a zero balance. I guess I'm just venting and wanna here I'm not the only one.

Re: Only for Under Appreciated Walmart customers...

My_Fako — Mon, 26 Oct 2015 03:40:39 GMT

*hear

Re: Only for Under Appreciated Walmart customers...

FinStar — Mon, 26 Oct 2015 03:45:55 GMT

Honestly, your profile needs time to lessen the effect of those negative items and improve your scores.

While you have received a CLI via online in the past and you're moving in the right direction, your recent new accounts + negative items doesn't help much in your quest to grow the card.

Re: Only for Under Appreciated Walmart customers...

Anonymous — Mon, 26 Oct 2015 03:49:02 GMT

I have the Walmart card. But ,I don't like to use it. No rewards. I always end up using Fidelity Amex with 2% cash back instead.

Re: Only for Under Appreciated Walmart customers...

Anonymous — Mon, 26 Oct 2015 04:19:58 GMT

I have it, but I'd rather use Chase Freedom and get 1 percent, which is better than Walmart offers (nothing).

Re: Only for Under Appreciated Walmart customers...

Anonymous — Mon, 26 Oct 2015 06:36:51 GMT

+1 I was using it a lot more to try and bump it up into a dual card, but ive cut way back on its use, as Im leaving cash back on the table doing so. A significant score increase should make auto luv across most banks anyway. Time makes a difference.

Re: What's hurting me, 2 ca's one Verizon and 3rd party AT&T...

SunriseEarth — Tue, 27 Oct 2015 00:04:12 GMT

@My_Fako wrote:
What's hurting me, 2 ca's one Verizon and 3rd party AT&T CA.

Score is currently down 633. Because also just open Discover, Barclays,Amazon, Target... Hurt AAOA...

I still try for a manual review. This is my only account under a grand. I have spent almost 3 grand total on my Walmart card. It's at a zero balance. I guess I'm just venting and wanna here I'm not the only one.

With two baddies and many new accounts, you appear to be risky because you are credit seeking and haven't had a completely positive payment history. When I applied for Wal-Mart, my TU score was 627 and I was approved for $300; it took me six statement to get up to $700 with the LUV button. So to have a $500 CL with that card and your profile is actually pretty good. You need to be patient. Try the LUV button again once you've generated 4 statements from the last CLI. Keep working on the baddies.

Re: Only for Under Appreciated Walmart customers...

Anonymous — Tue, 27 Oct 2015 12:34:11 GMT

I had a 400 limit for 4 1/2 years. Once my baddies started to age. I finally got an increase to 3500 when score climbed to 647 and to 6000 when I hit 670