topic Re: Approved for Amazon, Declined for Walmart. in Credit Cards

Approved for Amazon, Declined for Walmart. - [Update!]

PleioneG — Sat, 20 Oct 2012 20:15:02 GMT

So my husband and I decided to ... what the hell... try for a store card. After seeing his score jump significantly to 721 on Transunion, we figured it couldn't hurt. He got instant approval with Amazon store card ($700.00) but received the standard 7-10 days response for Walmart.

We called to see if there was a reason and the only response we could get was that maybe it was because we already applied to Amazon that same day. Is that a reason? Has anyone been approved for two store cards on the same day? I know Amazon and Walmart work through the same company for their store credit so it's entirely possible. I just want to know the answer since we dinged his credit with an inquiry. I guess I got excited and figured why not get Walmart too. My fault.

I just hope it doesn't send his credit score crashing down!

Update:

Well, it looks like all it took was a few phonecalls to get the ball rolling. Approved with Walmart, too!

Re: Approved for Amazon, Declined for Walmart.

Anonymous — Sat, 20 Oct 2012 18:37:48 GMT

Don't worry his score will not be crashing down. Enjoy the card and build from it give it another shot a few months later. Good luck.

Re: Approved for Amazon, Declined for Walmart.

Anonymous — Sat, 20 Oct 2012 18:58:29 GMT

did you ask to recon ? speak to a manager someone with a bit more power then CSR

Re: Approved for Amazon, Declined for Walmart.

PleioneG — Sat, 20 Oct 2012 19:03:43 GMT

I've called three times so far and received a somewhat satisfactory answer. I imagine it may be an identity issue just based on the questions they asked during the verification process and the fact that I know Equifax has the wrong information on him right now. Could that potentially be a reason? Is it possible that Walmart is pulling from Equifax and thus receiving the wrong verification information (birthday, etc)?

I don't know for sure. I want to call again and see if I can get a manager, but I feel like they too might just give me the run around and tell me to wait until the letter explains the reason it's pending.

Also, how many points does a score usually fall with credit store applications?

Re: Approved for Amazon, Declined for Walmart.

Anonymous — Sat, 20 Oct 2012 19:33:33 GMT

I applied for two GE backed cards the same day. The first app -- JC Penney -- was approved instantly; the second app -- Dillard's -- gave me the 7-10 day message. I received a phone call the next day about the Dillard's card. All they wanted to do was verify some information and they approved me. Maybe it's something like this?

Re: Approved for Amazon, Declined for Walmart.

pinoyscorpion951 — Sat, 20 Oct 2012 19:44:41 GMT

That's strange, I got the exact opposite response when I applied. I applied for Walmart first and got approved for 2100 which i was able to recon for 3700 (tried for 4000 and declined but nice that I was given a counteroffer). Then I applied for Amazon and got the dreaded 7-10 day message. I called immediately after I received the message and spoke with a csr and told me I needed to answer a few questions and that my application would get pushed through for review. Hahahah! I've been down this road before. I already know its a denial. I don't get it either, especially after hearing from numerous people how easy it is to get this card. I have 3 gecrb backed cards already but this one seems very elusive. Its the 3rd time I've apped for it in the last 2 years. Declined every single time! Funny thing is, I've spent literally thousands of dollars on Amazon. If anyone would be a good candidate to be approved I would think it would be me. Oh well, I guess I'll try again next year.

Re: Approved for Amazon, Declined for Walmart.

PleioneG — Sat, 20 Oct 2012 19:59:04 GMT

Wow! So after calling SEVEN TIMES, I finally got a representive who stated the application was approve for $600.00 and that we will be getting it in 5-10 days. So happy!! I guess with a little persistance (and back door calling ) we moved things along! Yay!! (: Two approvals in one day IS possible!

... at least for store cards.

Re: Approved for Amazon, Declined for Walmart.

Anonymous — Sat, 20 Oct 2012 20:04:37 GMT

@PleioneG wrote:
Wow! So after calling SEVEN TIMES, I finally got a representive who stated the application was approve for $600.00 and that we will be getting it in 5-10 days. So happy!! I guess with a little persistance (and back door calling ) we moved things along! Yay!! (: Two approvals in one day IS possible!

... at least for store cards.

Yay!!! Congrats!!!

Re: Approved for Amazon, Declined for Walmart.

ShiningDown — Sat, 20 Oct 2012 20:17:36 GMT

I applied for walmart and was approved for 600 on Sept 11 and then Sept 24 approved for Amazon store credit 500.

I would rather have 600 on Amazon and 500 on walmart. I don't like Walmart. Something not right about that place

Re: Approved for Amazon, Declined for Walmart. - [Update!]

webhopper — Sat, 20 Oct 2012 20:33:29 GMT

Congrats!!!

Re: Approved for Amazon, Declined for Walmart.

PleioneG — Sat, 20 Oct 2012 20:38:10 GMT

I think you were right, tinuviel. They just wanted to verify a few things identity wise. (:

Thanks for the congrats, everyone! Never imagined we'd own a store card. Not a credit card but it's a step up! In 6 or maybe a year, we're going to try for a better credit card than the one we presently have. Stepping stones, stepping stones.

Re: Approved for Amazon, Declined for Walmart.

Anonymous — Sat, 20 Oct 2012 20:37:46 GMT

@PleioneG wrote:
I think you were right, tinuviel. They just wanted to verify a few things identity wise. (:

So happy that it worked out for you.

Re: Approved for Amazon, Declined for Walmart. - [Update!]

migliogiorni — Sat, 20 Oct 2012 20:45:49 GMT

congrats on your new cards.

Re: Approved for Amazon, Declined for Walmart. - [Update!]

pinoyscorpion951 — Sat, 20 Oct 2012 21:45:18 GMT

Thats awesome! Congrats!! I hope to be in with Amazon in a year! Persistence pays off!!!

Re: Approved for Amazon, Declined for Walmart. - [Update!]

diabla — Sat, 20 Oct 2012 21:48:13 GMT

Does Amazon actually give you a card, or is it an online charge account with no plastic card?

Re: Approved for Amazon, Declined for Walmart. - [Update!]

Anonymous — Sat, 20 Oct 2012 21:50:19 GMT

You get a paper card with your account number on it.

Re: Approved for Amazon, Declined for Walmart. - [Update!]

diabla — Sat, 20 Oct 2012 21:51:29 GMT

Ok, thanks. Still great to have it on your report!

Re: Approved for Amazon, Declined for Walmart.

crunching_numbers — Sat, 20 Oct 2012 22:06:55 GMT

@PleioneG wrote:
I think you were right, tinuviel. They just wanted to verify a few things identity wise. (:

Thanks for the congrats, everyone! Never imagined we'd own a store card. Not a credit card but it's a step up! In 6 or maybe a year, we're going to try for a better credit card than the one we presently have. Stepping stones, stepping stones.

With good care and usage, the Walmart can grow to a Walmart Discover. GE is really good about CLI's so, it sounds like you are on the right road.

Re: Approved for Amazon, Declined for Walmart. - [Update!]

Nocturnal — Sun, 21 Oct 2012 00:25:37 GMT

I applied for Old Navy and WalMart on the same day and both were instant approvals. Not sure what my current TU score is but last I checked it 735.

Re: Approved for Amazon, Declined for Walmart. - [Update!]

LS2982 — Sun, 21 Oct 2012 00:25:39 GMT

CONGRATS!!!