topic Re: Walmart - Paypal - Target in Credit Cards

Walmart - Paypal - Target

Duncanrr — Thu, 09 Aug 2012 21:33:49 GMT

With my scores (TU 672, EQ 635 and FAKO EX USAA - 661/ CS - 712) and only negatives (lates - most recent March this year...none since) and one paid CO from 2009, which one of these cards would be best for me to apply to? I want want that will pull TU.

Thanks,

Duncan

Re: Walmart - Paypal - Target

kobe2012 — Thu, 09 Aug 2012 21:39:44 GMT

I would say walmart, paypal or any gemb backed store cards.... they approved me when i had 4 collections and 5-6 negatives

Re: Walmart - Paypal - Target

Duncanrr — Thu, 09 Aug 2012 21:52:57 GMT

1. Which one of the three is the most easy to obtain:

Walmart, Paypal or Target?

2. With Paypal and the option to get store card if declined for Mastercard, is that a good choice (i.e. less risk of outright denial?)

3. Which one would grow most with me? I cant see me using Paypal other than for rebuild.

Thanks,

Duncan

Re: Walmart - Paypal - Target

Anonymous — Thu, 09 Aug 2012 21:59:23 GMT

With Paypal smart connect you can link it to your paypal debit card, which makes it just like a credit card.

Re: Walmart - Paypal - Target

Duncanrr — Thu, 09 Aug 2012 22:06:40 GMT

Will Paypal smart connect ever upgrade to their MC?

Re: Walmart - Paypal - Target

kobe2012 — Thu, 09 Aug 2012 22:07:40 GMT

@Duncanrr wrote:
1. Which one of the three is the most easy to obtain:

Walmart, Paypal or Target?

2. With Paypal and the option to get store card if declined for Mastercard, is that a good choice (i.e. less risk of outright denial?)
3. Which one would grow most with me? I cant see me using Paypal other than for rebuild.

Thanks,

Duncan

I dont have a target card but i do have a walmart that auto increased from $500 to $900 in only two statements... Im sure paypal is good with cli too..i believe gemb cards increase every 4 months....

Re: Walmart - Paypal - Target

Mike360 — Thu, 09 Aug 2012 22:17:19 GMT

Go with Walmart. Stay far away from Target unless you enjoy $200-$300 limits and no credit increases.

Re: Walmart - Paypal - Target

Duncanrr — Thu, 09 Aug 2012 22:44:56 GMT

Apply in-store or online?

Re: Walmart - Paypal - Target

jsucool76 — Thu, 09 Aug 2012 23:01:23 GMT

I app'd walmart online about a week after my smart connect. I app'd for paypal MC, got $500 SC (with 10 inquiries on my report) and then app'd walmart online and got instant approval for $500 with 11 inquiries on my report. Only benefit of app'ing in store for walmart is if you get approved (while making a purchase of $100+ ) you will immediately get $20 off of your purchase if you put it on your walmart card.

Re: Walmart - Paypal - Target

Anonymous — Fri, 10 Aug 2012 02:15:00 GMT

Thing that sucks about applying in the store, if you get denied and was buying the $100+ to save 20% then you either end up buying it all or having to say "put it back" I'm going to apply online. I believe you still get the discount if you do that?

Re: Walmart - Paypal - Target

jsucool76 — Fri, 10 Aug 2012 02:18:42 GMT

Well i wouldnt purchase $100 worth of stuff JUST to apply for the card. Defeats the purpose. It doesnt count as saving money if you spend more money than you planned on spending in the first place. Haha.

Re: Walmart - Paypal - Target

Anonymous — Fri, 10 Aug 2012 02:21:03 GMT

I was looking at it as buying 2 months of supplies that would maybe be bought $50. per month. Put it on the card if approved, have the grace period then a few weeks after the bill is issued plus save $20.

Re: Walmart - Paypal - Target

Anonymous — Fri, 10 Aug 2012 02:31:26 GMT

You have to close the account and reapply for the Mastercard. However, I have seen some really decent Smart Connect limits. When I apply for new credit this weekend Paypal is one of the two that I am for sure apping for and I will be happy if I get either.

Re: Walmart - Paypal - Target

Duncanrr — Fri, 10 Aug 2012 02:34:41 GMT

What does paypal typically pull?

Re: Walmart - Paypal - Target

jsucool76 — Fri, 10 Aug 2012 02:41:25 GMT

Ge almost exclusively pulls TU from what I've read. They pulled that for my ppsc and walmart.

Re: Walmart - Paypal - Target

kobe2012 — Fri, 10 Aug 2012 02:42:18 GMT

@Duncanrr wrote:
What does paypal typically pull?
momost of the time, they pull TU --- (CA)