topic Re: Walmart Credit Card in Credit Cards

Walmart Credit Card

doc101 — Mon, 06 Aug 2012 01:09:57 GMT

Have been reading and see a lot posters have a Walmart credit card. Is it pretty easy to obtain one? My scores are 612 EQ and as of today, TU 583. Just looking for another card to help boost my scores.

Re: Walmart Credit Card

Anonymous — Mon, 06 Aug 2012 01:13:24 GMT

I had scores in the 500s and 20 baddies and they approved me for a store card with a $300 CL. It is a great way to rebuild. They also provide a free TU FICO score every month if you sign up for electronic billing.

Re: Walmart Credit Card

CK_Charles_Lover — Mon, 06 Aug 2012 01:13:31 GMT

http://www.whogavemecredit.com/

Re: Walmart Credit Card

Repo-ed — Mon, 06 Aug 2012 01:18:11 GMT

I know I look forward to my monthly FICO update from walmart

Re: Walmart Credit Card

Anonymous — Mon, 06 Aug 2012 01:22:26 GMT

Yesterday we got approved for Walmart card with 300CL. We had very limited history, I beleive you can also get this approved if you dont have any negatives..

Re: Walmart Credit Card

doc101 — Mon, 06 Aug 2012 01:25:46 GMT

Thanks for the information. I may go and apply online tonight or tomorrow.

Re: Walmart Credit Card

Repo-ed — Mon, 06 Aug 2012 01:35:14 GMT

@doc101 wrote:
Thanks for the information. I may go and apply online tonight or tomorrow.

If approved, just remember upon activating the card, you sign up for paperless billing, so that you get the monthly fico score.

Re: Walmart Credit Card

kobe2012 — Mon, 06 Aug 2012 01:36:53 GMT

I was approved for $500 with fico score in really low 600's ... It's only been two statements and they auto increased to $900 ... I'm rebuilding and i think it's really easy to get... Had 4 collections and 5 charge offs, maybe more ... From 6 yrs ago

Re: Walmart Credit Card

corymcd88 — Mon, 06 Aug 2012 02:38:47 GMT

GE is one of thebest credit card that I have when it comes to CLI. I had opened my Walmart card in Jan 2012 and used very little and still went from 700 to 1,300. My GE / Belk card I used once and they gave me 300 CLI when I asked. I have had cards for over two years and nerver got a CLI.

Re: Walmart Credit Card

tboy1977 — Mon, 06 Aug 2012 03:06:27 GMT

I applied and was DENIED!! I was shocked considering I apped for Target (both cards are BK friendly) and while denied Oct 2011, was approved April 2012. I may app for them again in Sept or October 2012 after I pay off my other cards. I use Walmart a bit, but I'd rather have a gas card, AMEX, or Home Depot.

Re: Walmart Credit Card

Anonymous — Mon, 06 Aug 2012 03:10:06 GMT

Damn. What is the reason for denial? Home Depot is baked by Citi. Before applying, it could be better if your scores increase to mid 600s.

I have found GE cards being the easiest to get (besides Cap, Credit and all the rebuilder cards)

Re: Walmart Credit Card

kobe2012 — Mon, 06 Aug 2012 03:23:01 GMT

@tboy1977 wrote:
I applied and was DENIED!! I was shocked considering I apped for Target (both cards are BK friendly) and while denied Oct 2011, was approved April 2012. I may app for them again in Sept or October 2012 after I pay off my other cards. I use Walmart a bit, but I'd rather have a gas card, AMEX, or Home Depot.

try again before december, you might get approve... i would think that target is harder to get.... but i guess, just wait it out for now.... i would recommend that you should apply when your scores are in the high 500's, your chances might be better ... my scores were in the very low 500's last year and i got approved for cap one unsecured with $300 limit.. after a year or less of good payment, a couple of collections pfd and new tradelines, my scores boosted 100+ points...

Re: Walmart Credit Card

tboy1977 — Mon, 06 Aug 2012 03:24:42 GMT

backed by Citi? I'll never get it then. I thought they were GE, where there is a chance. Citi outside of secured, only deals with prime. Walmart said:

HIGHEST RATIO OF REVOLVING BALANCE TO CREDIT LIMIT IS TOO HIGH
ACCOUNTS IN
COLLECTION OR 60 DAYS PAST DUE OR ADVERSE PUBLIC RECORDS
AVERAGE RATIO OF
REVOLVING BALANCES TO CREDIT LIMITS IS TOO HIGH
HIGH RATIO ACCOUNTS 30+ DAYS
PAST DUE TO ACCOUNTS OPENED 3+ MONTHS

Lalalala. I have no open collections post-BK. None of my accounts are past due. The only thing I will agree on is my balances were up there because of my move to Atlanta.

Re: Walmart Credit Card

Anonymous — Mon, 06 Aug 2012 06:10:47 GMT

I would like to know if it easer to get approve if I apply online or go to the store to apply for the walmart?

Re: Walmart Credit Card

Anonymous — Mon, 06 Aug 2012 06:14:38 GMT

I think online application will be easier.. Our got approved with 300CL

Re: Walmart Credit Card

doc101 — Tue, 07 Aug 2012 01:09:30 GMT

When applying online, is there "instant approval" or the dreaded "you will be notified in 5-7 days?"

Re: Walmart Credit Card

iMacDrew — Tue, 07 Aug 2012 02:34:35 GMT

im a big fan of this card, mainly because of the TU08 fico score, but also because it is one of few cards that do soft pulls every 4 months for CLI. It helps a lot, i recently just got mine but if its anything like my milstar then it will be a great card to have.

Re: Walmart Credit Card

Repo-ed — Tue, 07 Aug 2012 02:36:34 GMT

Credit does not care if you apply in person, through mail, or online.

Re: Walmart Credit Card

jsucool76 — Tue, 07 Aug 2012 02:45:47 GMT

@doc101 wrote:
When applying online, is there "instant approval" or the dreaded "you will be notified in 5-7 days?"

I got an instant approval today.

Re: Walmart Credit Card

tboy1977 — Tue, 07 Aug 2012 03:43:32 GMT

I was denied and when I called they told me to check with TransUnion and wait sixty days. I pulled my TU report and no collections. But their denial letter said I have multiple accounts in collections and/or sixty or more says delinquent. The only credit I've gotten since bankruptcy I've never been late on. He finally told me to go to the store and apply in thirty days and if denied, they could pull the app and manually review. But he couldn't do it then because the computer made its decision. So I asked what's to stop them from telling me the same thing in the store. I called a day after I applied, was told app denied wait for TransUnion. Ordered TransUnion today and told wait and reapply in store then the underwriter can help......Target gave me a card. What gives?