topic Re: ouch walmart denied in Credit Cards

ouch walmart denied

Anonymous — Wed, 11 Apr 2012 00:42:40 GMT

683 transunion with 6 mos history 6 inquiries 1 baddie due to fall off beginning of next year. I got the 7 day message so I called and told me it was declined and that I would be sent a letter with denial reasons? I think they dont do recons. oh well guess ill just wait another 6 mos to see if I can graduate my secured cards

Re: ouch walmart denied

TeeandDee — Wed, 11 Apr 2012 00:47:00 GMT

Same thing happened to me and then a month after being denied, I went online to their website and clicked the credit card area and saw I was pre-approved! I went for it and was approved! And not much had changed on my report in the month between the denial and the approval....so who knows?! LOL! Give it a month and check the website from time to time to see if a pre-approval shows up. Also, you may want to try applying in the store. I've read on here that some of been denied online then approved when they applied instore. Good luck!

Re: ouch walmart denied

RyVision — Wed, 11 Apr 2012 01:01:38 GMT

I've always thought applying in store for them (or most store cards) would bring the most positive result. May or may not be true, but I've read many times that's where people had the best outcome. I only applied once, years ago, in store, and was approved, same with Kohls before that, then Best Buy much later.

Re: ouch walmart denied

TeeandDee — Wed, 11 Apr 2012 01:23:29 GMT

@RyVision wrote:
I've always thought applying in store for them (or most store cards) would bring the most positive result. May or may not be true, but I've read many times that's where people had the best outcome. I only applied once, years ago, in store, and was approved, same with Kohls before that, then Best Buy much later.

True. I had success instore with Best Buy as well. Ive also read on here alot of instore success sstories.... seems that chances are better applying in store.

Re: ouch walmart denied

Anonymous — Wed, 11 Apr 2012 01:55:30 GMT

When I applied for a store card, one of the employee's questions was "Are you planning to purchase something today? If so, how much?" Always make up a good number. It helps.

Re: ouch walmart denied

Anonymous — Wed, 11 Apr 2012 02:12:10 GMT

I didnt think there would be a difference. I dont get it cause Ive seen people with mid 500 tu and get approved with several derogs.

I think I shouldnt have applied cause my address doesnt match what I have on my license in the app. Would that cause a denial?

Re: ouch walmart denied

clocktick — Wed, 11 Apr 2012 02:17:33 GMT

It matters the address on your reports versus your app. You'll find out soon enough. Sorry you were denied.

Just curious, how do you have a baddie with 6 months history?

Re: ouch walmart denied

Anonymous — Wed, 11 Apr 2012 02:27:28 GMT

@clocktick wrote:
It matters the address on your reports versus your app. You'll find out soon enough. Sorry you were denied.

Just curious, how do you have a baddie with 6 months history?

I have 6 mos credit history. ive never had credit before. the baddie is from an old utility bill back a few years ago. my current address and whats on my reports match. but the app asked for my drivers license number and that doesnt match my current address

Re: ouch walmart denied

clocktick — Wed, 11 Apr 2012 02:29:58 GMT

Ohhhh, I see. Weird, I don't remember having to give my driver's license number on a credit app.

Re: ouch walmart denied

traveler2005 — Wed, 11 Apr 2012 03:09:12 GMT

GE money bank from my experience always asks for State of Lic and number

Re: ouch walmart denied

Anonymous — Wed, 11 Apr 2012 05:01:28 GMT

@traveler2005 wrote:
GE money bank from my experience always asks for State of Lic and number

well my current license is from florida and i reside in indiana. i need to get it switched over. maybe that is what caused a denial?

Re: ouch walmart denied

Anonymous — Wed, 11 Apr 2012 09:35:19 GMT

I apped in store recently at Ace Hardware. They asked for my DL and a credit card. My address hasn't changed in 8 years so that was good I guess - approved.

I too have heard that apping in-store improves your chances of approval and/or a higher CL, which makes perfect sense to me. I'm betting there is a threshold of sorts where if you were just 'below' approval for an online app, it is a VERY good chance you would have been approved in-store.

Re: ouch walmart denied

learnin113 — Wed, 11 Apr 2012 13:47:19 GMT

@TeeandDee wrote:
Same thing happened to me and then a month after being denied, I went online to their website and clicked the credit card area and saw I was pre-approved! I went for it and was approved! And not much had changed on my report in the month between the denial and the approval....so who knows?! LOL! Give it a month and check the website from time to time to see if a pre-approval shows up. Also, you may want to try applying in the store. I've read on here that some of been denied online then approved when they applied instore. Good luck!

I've never seen this. Where are the preapprovals exactly and is this for all GE accounts?

Re: ouch walmart denied

oracles — Wed, 11 Apr 2012 17:20:00 GMT

@learnin113 wrote:
@TeeandDee wrote:
Same thing happened to me and then a month after being denied, I went online to their website and clicked the credit card area and saw I was pre-approved! I went for it and was approved! And not much had changed on my report in the month between the denial and the approval....so who knows?! LOL! Give it a month and check the website from time to time to see if a pre-approval shows up. Also, you may want to try applying in the store. I've read on here that some of been denied online then approved when they applied instore. Good luck!
I've never seen this. Where are the preapprovals exactly and is this for all GE accounts?

i would like to know this also

Re: ouch walmart denied

Tommy5746 — Mon, 08 Oct 2012 20:26:03 GMT

@oracles wrote:
@learnin113 wrote:
@TeeandDee wrote:
Same thing happened to me and then a month after being denied, I went online to their website and clicked the credit card area and saw I was pre-approved! I went for it and was approved! And not much had changed on my report in the month between the denial and the approval....so who knows?! LOL! Give it a month and check the website from time to time to see if a pre-approval shows up. Also, you may want to try applying in the store. I've read on here that some of been denied online then approved when they applied instore. Good luck!
I've never seen this. Where are the preapprovals exactly and is this for all GE accounts?
i would like to know this also

Anybody know about this??

Re: ouch walmart denied

Anonymous — Tue, 09 Oct 2012 02:42:46 GMT

I'm curious as well like the above posters....sorry, I'm on mobile so can't copy

Re: ouch walmart denied

Anonymous — Tue, 09 Oct 2012 07:38:40 GMT

I'm not sure if the pre-approval link and in-store application are necessarily connected. I had a a Wal-mart online account for some time and one day was on there to make a purchase and I saw the pre-approved link, followed it through and was approved, which I how I started rebuilding my credit. That was a few years back (3+ I think). I had never done an in-store app prior to that, so I think Wal-mart just does soft pulls on you from time-to-time and if you qualify, you see the offer. The offer may or may not be more likely based on a prior in-store app but it's definitely not exclusive to those who've done them.

Re: ouch walmart denied

maiden_girl — Tue, 09 Oct 2012 07:39:22 GMT

GECRB is very recon sensitive I've heard. Unfortunately you gotta wait 6 months before reapplying for any GECRB branded cards.

Re: ouch walmart denied

luckelle — Tue, 09 Oct 2012 09:17:11 GMT

It does seem to be strange how some one with scores higher than mine get denied for GE cards. It all seems a bit confusing but I hope the in store apping helps fico members.

Re: ouch walmart denied

maiden_girl — Tue, 09 Oct 2012 09:23:22 GMT

@luckelle wrote:
It does seem to be strange how some one with scores higher than mine get denied for GE cards. It all seems a bit confusing but I hope the in store apping helps fico members.

It seems like a YMMV kinda thing *shrug*