topic Re: Pre-Approved for Walmart Store Card in Credit Cards

Pre-Approved for Walmart Store Card

TeeandDee — Sun, 11 Mar 2012 21:03:06 GMT

Imagine my surprise when signing on to the Walmart website to so a little shopping for some Headphones for the hubby and when I went to check out found out I was pre-approved for the Walmart credit card!!! I was very surprised because back in late January I was denied TWICE ( I applied- instant denial and then recon-denied). The application had most of my information already filled in and all I had to do was hit the button. I did and was approved!

Happy! This card will get a lot of use because they just opened a Super Walmart in my area!!!! Yay!!! Plus I'm happy to get the free TU Fico Score each month! No longer have to pay for it here on MyFIco for $19.99!!

Re: Pre-Approved for Walmart Store Card

Skinnyminnie — Sun, 11 Mar 2012 21:16:58 GMT

Congrats, that's wonderful!

Re: Pre-Approved for Walmart Store Card

Anonymous — Sun, 11 Mar 2012 21:18:59 GMT

does anyone know if a situation like this will result in a hard pull?

Re: Pre-Approved for Walmart Store Card

LS2982 — Sun, 11 Mar 2012 21:19:07 GMT

Congrats!!!

Re: Pre-Approved for Walmart Store Card

TeeandDee — Sun, 11 Mar 2012 21:20:57 GMT

@Anonymous wrote:
does anyone know if a situation like this will result in a hard pull?

I was wondering the same thing. I will report back tomorrow and let you know if I recieve an Alert from Equifax or MYFICO about a new inquriy.

Re: Pre-Approved for Walmart Store Card

TeeandDee — Sun, 11 Mar 2012 21:21:27 GMT

Thanks for the Congrats!!!

Re: Pre-Approved for Walmart Store Card

shane82388 — Sun, 11 Mar 2012 21:24:05 GMT

at what point in the checkout did it ask you?

Re: Pre-Approved for Walmart Store Card

LS2982 — Sun, 11 Mar 2012 21:25:01 GMT

Any new credit will result in a HP, altho fingers crossed you get lucky!

Re: Pre-Approved for Walmart Store Card

crunching_numbers — Sun, 11 Mar 2012 21:25:18 GMT

@Anonymous wrote:
does anyone know if a situation like this will result in a hard pull?

It should be a hard pull. I have not gotten a peep from SW or QM for the DM card I apped on Feb 23. Did 2 BT's already. TU got the HP, yet here I sit, waiting for SW or QM to let me know about a new account.... Or a HP. Or a FICO change from a HP.

Re: Pre-Approved for Walmart Store Card

Anonymous — Sun, 11 Mar 2012 21:29:46 GMT

Would love to know if there's a way to see about pre approval without buying something.

Re: Pre-Approved for Walmart Store Card

Repo-ed — Sun, 11 Mar 2012 21:33:35 GMT

Though I don't shop at wally world any longer, I wouldn't mind being approved for their card some day, so that I can take advantage of the score.

What do they typically want to see in a credit file, or should I say, what do they NOT want to see.

Re: Pre-Approved for Walmart Store Card

TeeandDee — Sun, 11 Mar 2012 21:34:38 GMT

@shane82388 wrote:
at what point in the checkout did it ask you?

I was checking out and already had a credit card on file that I use on this site...but I wanted to change it to another one, so once I clicked that some sort of advertisement popped up offering "spend $100 get $20 back" so I clicked that and it was the Credit Card Application and at the top it said "MY NAME....you have been pre-approved for a Walmart Credit Card" and it had most of my information pre-fillled in for me. I think I just to add my phone number. Nothing else such as social security, income etc. So I'm figuring that were working off the pull they did on me back in Jan. Hoping!! LOL! But I will find out in the morning when and if I get an Alert. My Equifax Alerts are always right on time! I've never had a problem with them. Like clock work...the day after I've applied for credit..BOOM the next morning around 7:30-8:00 a.m. I get an Alert. MY FICO has not been like that...but it hasn't bothered me much since I have the Equifax alerts as well.

Re: Pre-Approved for Walmart Store Card

TeeandDee — Sun, 11 Mar 2012 21:38:44 GMT

@Anonymous wrote:
Would love to know if there's a way to see about pre approval without buying something.

I actually didn't have to purchase anything to to find out. I think it's connected with the offer they were advertising "Spend $100 get $20 Back:..I think if you click that the way I did, it will lead you to the app were you will see "Pre-Approved" at the top. That's how it happened for me. I was trying to change my cc information, and saw that offer advisertized, I clicked it out of curiousity and saw the "Pre approved messaged.

Re: Pre-Approved for Walmart Store Card

bichonmom — Sun, 11 Mar 2012 21:42:16 GMT

Congrats! That's great. Do you know what your CL is? With your TU FICO over 700, I couldn't imagine that you'd be denied. But then with credit, one never knows!

Re: Pre-Approved for Walmart Store Card

TeeandDee — Sun, 11 Mar 2012 21:46:53 GMT

@Repo-ed wrote:
Though I don't shop at wally world any longer, I wouldn't mind being approved for their card some day, so that I can take advantage of the score.

What do they typically want to see in a credit file, or should I say, what do they NOT want to see.

Back in Jan. when I was denied, I had a pretty good FICO score, but not much credit that had reported to my credit report at the time I applied. I was denied due to lack of credit history...at that time I only had a Cap. 1 and Macy's cc on my file. Today, I have 5 cc's and very low utilization (9%) and never paid late not once, and my FICO scores are fair. The two dings so to speak I have on my credit is inquiries...about 7 or 8. Now maybe 9 if Wal-Mart did a hard pull, and AAoA. Nothing that time and patience can't heal.

Re: Pre-Approved for Walmart Store Card

TeeandDee — Sun, 11 Mar 2012 21:50:39 GMT

@bichonmom wrote:
Congrats! That's great. Do you know what your CL is? With your TU FICO over 700, I couldn't imagine that you'd be denied. But then with credit, one never knows!

Hi bichonmom!! My CL is $700! Not a huge amount but hey....It's a start! I won't complain! By the way, the Pre-Approval stated the CL at the top along with the "You have been Pre-Approved" for a Walmart Credit Card" and then it said CL $700" so I knew that before hit the submit button which was nice. Oh and the immediately add the new cc to my account so I could use it right away.

Re: Pre-Approved for Walmart Store Card

bichonmom — Sun, 11 Mar 2012 21:53:56 GMT

Nice starting CL. They only started me out at $300 in November. They denied all of my CLI requests (when they were still doing online) and then surprised me with an auto-cli at the beginning of Feb to $1k. You're gonna love getting the monthly FICO! (At least I do. )

Re: Pre-Approved for Walmart Store Card

TeeandDee — Sun, 11 Mar 2012 22:02:00 GMT

@bichonmom wrote:
Nice starting CL. They only started me out at $300 in November. They denied all of my CLI requests (when they were still doing online) and then surprised me with an auto-cli at the beginning of Feb to $1k. You're gonna love getting the monthly FICO! (At least I do. )

Yes, that was actually helped my decision to hit "submit' because I had read on here about the free TU FICO Scores each month!!! I'm really happy about that! And surprised CLI's are always great!!!

Re: Pre-Approved for Walmart Store Card

JusdoNit — Sun, 11 Mar 2012 22:48:47 GMT

Congatulations

Re: Pre-Approved for Walmart Store Card

TeeandDee — Sun, 11 Mar 2012 22:53:12 GMT

@JusdoNit wrote:
Congatulations

Thanks!!