topic Re: WalMart card in Credit Cards

WalMart card

frogfan12 — Wed, 25 Jan 2012 00:46:54 GMT

What do you guys think of the Wal-Mart card? I shop there for groceries 1-2 times a month and it'd be kind of cool to get a monthly TU score. What do you guys think of it? What kind of CLs do they give out to begin with?

Re: WalMart card

corymcd88 — Wed, 25 Jan 2012 00:49:25 GMT

@frogfan12 wrote:
What do you guys think of the Wal-Mart card? I shop there for groceries 1-2 times a month and it'd be kind of cool to get a monthly TU score. What do you guys think of it? What kind of CLs do they give out to begin with?

Yes, if you scores a what is on you thing then I say you get a discover card and a good limt, When I got is my score was 635 and I got $800. The same day I got Amazon store card $900.

Re: WalMart card

Trigga — Wed, 25 Jan 2012 00:53:58 GMT

What reports does wal mart pull ? My EQ fico is 645 and TU is 669

Re: WalMart card

corymcd88 — Wed, 25 Jan 2012 00:55:17 GMT

@Trigga wrote:
What reports does wal mart pull ? My EQ fico is 645 and TU is 669

TU and EQ.

Re: WalMart card

Anonymous — Wed, 25 Jan 2012 00:55:41 GMT

tu on me in cali

Re: WalMart card

Trigga — Wed, 25 Jan 2012 00:59:28 GMT

New Orleans LA here , not sure if my scores are up to par though .

Re: WalMart card

laboi_22 — Wed, 25 Jan 2012 01:02:49 GMT

I enjoy my Walmart card but honestly it stays sock drawered since I get more cash back with my BofA card 2% at grocery stores. You get nothing back in the way of rewards unless you get the Discover version. I do use it once and a while and pay it right off at the register to keep it active. You get good CLIs especially around the holidays. I also enjoy the free TU FICO although be warned it's not the same score as the scores here on myfico but a good guide. Also there were some inaccuracies on my FICO score from Walmart but I think that will correct itself. I have an entire post on here somewhere about this problem. The thing I enjoy most as a Walmart shopper as well is the great financing offers you get throughout the year. Like when school was starting, they offered interest free financing on all school supplies and laptop computers for 6 months. For the holidays they had 12 month interest free offers for any purchase made in the store by December 31st that is a great deal!. Also you can save 5cents per gallon if you use your card at the Walmart gas stations. That adds up! Hope all this rambling info helps!!

Re: WalMart card

CS800 — Wed, 25 Jan 2012 01:04:52 GMT

@Trigga wrote:
What reports does wal mart pull ? My EQ fico is 645 and TU is 669

TU only for me in MA

Re: WalMart card

CS800 — Wed, 25 Jan 2012 01:06:33 GMT

@frogfan12 wrote:
What do you guys think of the Wal-Mart card? I shop there for groceries 1-2 times a month and it'd be kind of cool to get a monthly TU score. What do you guys think of it? What kind of CLs do they give out to begin with?

If your siggy are FICO's you should have no problem getting the WM Discover and hence the free TU08

You might get between $1000-$2000. But it also depends on your income.

Re: WalMart card

frogfan12 — Wed, 25 Jan 2012 01:08:05 GMT

Financing (especially at 0%) would be nice for electronics purchases around the holidays. And 5 cents a gallon is nice for gas. I drive a gas guzzler and I always look around town for the best deals on gas. The only downside is there really isn't a WM that close to me where I could get gas. It's about 10-15 minutes away. I'm not really looking for rewards. I already have an Old Navy card where I get $10 back for every $200 I spend and a Lane Bryant card with the same kinds of rewards. I also have two cards where I get airline miles as well. I may try for the WM card. Not sure.

Re: WalMart card

frogfan12 — Wed, 25 Jan 2012 01:09:12 GMT

Yes, my scores are all FICOs. Although two of my scores have gone down a tad bit since I last updated my signature.

Re: WalMart card

Ron1 — Wed, 25 Jan 2012 01:10:22 GMT

It is a good card to have if you shop at Walmart a lot. They only approved me for $640 in 2005. They didn't have any Walmart Discover. Recently. I got approved for Walmart Discover for $2.2K. They pulled TU. By the way, it gives you TU FICO as bonus monthly.

Ron.

Re: WalMart card

CS800 — Wed, 25 Jan 2012 01:11:09 GMT

@frogfan12 wrote:
Yes, my scores are all FICOs. Although two of my scores have gone down a tad bit since I last updated my signature.

You're above the 700, to a creditor, you are in the minimum risk category.

Re: WalMart card

frogfan12 — Wed, 25 Jan 2012 01:11:50 GMT

I shop at Wal-Mart and Target a lot, but I haven't really read good things about the Target card (minus the 5% discount). The monthly score would be nice and so would the gas savings. 5 cents makes a difference over time.

Re: WalMart card

frogfan12 — Wed, 25 Jan 2012 01:13:23 GMT

@CS800 wrote:
@frogfan12 wrote:
Yes, my scores are all FICOs. Although two of my scores have gone down a tad bit since I last updated my signature.
You're above the 700, to a creditor, you are in the minimum risk category.

True statement. I guess I sometimes forget how good my credit is. It wasn't always that way. College was rough. But after getting a ton of rejection letters and getting a job with steady income, I've turned that circumstance right around. Being here on myFICO I've learned lots of valuable information about what kinds of things I qualify for.

Re: WalMart card

CS800 — Wed, 25 Jan 2012 01:13:41 GMT

@frogfan12 wrote:
I shop at Wal-Mart and Target a lot, but I haven't really read good things about the Target card (minus the 5% discount). The monthly score would be nice and so would the gas savings. 5 cents makes a difference over time.

I dont think they do the 5 cents gas thing all the times ?

Well 5 cents a gallon on a 22 gallon fill up for the 8 cylinder gas guzzler

Re: WalMart card

CS800 — Wed, 25 Jan 2012 01:14:24 GMT

@frogfan12 wrote:
@CS800 wrote:
@frogfan12 wrote:
Yes, my scores are all FICOs. Although two of my scores have gone down a tad bit since I last updated my signature.
You're above the 700, to a creditor, you are in the minimum risk category.
True statement. I guess I sometimes forget how good my credit is. It wasn't always that way. College was rough. But after getting a ton of rejection letters and getting a job with steady income, I've turned that circumstance right around. Being here on myFICO I've learned lots of valuable information about what kinds of things I qualify for.

Hear hear

Re: WalMart card

Ron1 — Wed, 25 Jan 2012 01:17:31 GMT

@frogfan12 wrote:
I shop at Wal-Mart and Target a lot, but I haven't really read good things about the Target card (minus the 5% discount). The monthly score would be nice and so would the gas savings. 5 cents makes a difference over time.

They are both nice card to have. Target has 5% discount on everything and offered no financing. Walmart doesn't offer 5% discount but they offer 0% promo from time to time plus gas discount at Walmart gas station (Murphy USA). I like them both.

Ron.

Re: Walter card

Trigga — Wed, 25 Jan 2012 01:19:11 GMT

Are my scores good enough to get approved any opinions.

Re: WalMart card

frogfan12 — Wed, 25 Jan 2012 01:22:43 GMT

@CS800 wrote:
@frogfan12 wrote:
I shop at Wal-Mart and Target a lot, but I haven't really read good things about the Target card (minus the 5% discount). The monthly score would be nice and so would the gas savings. 5 cents makes a difference over time.
I dont think they do the 5 cents gas thing all the times ?

Well 5 cents a gallon on a 22 gallon fill up for the 8 cylinder gas guzzler

My car takes up to 26. The most it ever took was 24 and I nearly cried when it stopped. Good thing gas prices aren't astronomical where I live.