topic Re: Walmart Store Card in Credit Cards

Walmart Store Card

JWest — Mon, 06 May 2013 14:06:43 GMT

Whats the typical score need to get the walmart store card?

Re: Walmart Store Card

Anonymous — Mon, 06 May 2013 14:19:56 GMT

Around 610 or so.. They mostly pull TU!

Re: Walmart Store Card

dddewdrop — Mon, 06 May 2013 14:20:27 GMT

It depends on your report content but it is a relatively easy card to get. My TU score was 520 and eq was 607 when I applied and was approved. Hope that helps. Someone on this forum had convinced me to apply and I was shocked in a good way to be approved.

Re: Walmart Store Card

Anonymous — Mon, 06 May 2013 14:32:24 GMT

i just got one yesterday with TU fico (from here) of 659, but i was declined 46 days ago with a TU score(from here) of 619

Re: Walmart Store Card

scarzy — Mon, 06 May 2013 14:34:34 GMT

It depends on your report, but I have heard people getting approved with scores in the 500s!

Everyone gets a walmart card but me! Maybe one day... lol

Re: Walmart Store Card

JWest — Mon, 06 May 2013 14:38:54 GMT

Well I applied and got approved for a decent limit. Does anybody know how they are with cli and how do i get the monthly tu score?

Re: Walmart Store Card

atarvuzdar — Mon, 06 May 2013 14:54:49 GMT

Enroll in electronic statements to get the TU score.

You can request a CLI every 4 statements but they may give you an auto-CLI before the 4th statement, it varies. Very generous lender, in my opinion.

Re: Walmart Store Card

Blackbeauty212 — Mon, 06 May 2013 14:54:53 GMT

I think I read somewhere you need a 625-699 for the store, and 7 and above for the Discover.

Re: Walmart Store Card

Tommy5746 — Mon, 06 May 2013 15:10:18 GMT

It all depends.. I tried for the wally card twice last year with TU scores around 630 and didn't get it.. the third time i applied it was actually lower than 630 and i was approved! That same day i felt lucky with GE and app'd for a JCP card and was approved as well.. Good Luck if you decide to app!

Re: Walmart Store Card

Give_Me_Credit_Please — Mon, 06 May 2013 15:21:47 GMT

I really don't think approvals go by score but more about the content of your CR, it seems like Walmart and store cards are inconsistant on their approvals. You can be in the 500's with good history and get approve versus 600's with slow pay or baddies and get denied. So scores don't make much of a big difference as long as your content meets their standards.

Re: Walmart Store Card

atarvuzdar — Mon, 06 May 2013 15:29:21 GMT

@Give_Me_Credit_Please wrote:
I really don't think approvals go by score but more about the content of your CR, it seems like Walmart and store cards are inconsistant on their approvals. You can be in the 500's with good history and get approve versus 600's with slow pay or baddies and get denied. So scores don't make much of a big difference as long as your content meets their standards.

There are certainly some triggers that freak out the automated system for applicants with higher scores. Those same triggers are most likely not present on the reports of applicants in the 500s. Therefore, I somewhat agree with this statement. Though I'm not certain it's possible to have a score in the 500's with good history, per se. There has to be some sort of not-so-clean information on a CR to have a 500-599, I would imagine.

Re: Walmart Store Card

JWest — Mon, 06 May 2013 18:54:29 GMT

After approval does it really take the 7-10 days to receive the card?

Re: Walmart Store Card

JonStur — Mon, 06 May 2013 22:09:45 GMT

Yea, generally if your approved and your scores are under 700 you'll get the store version. With moderate use and maintain a score over say 710 or so, there is a good chance that you will be upgraded. But it normally takes at least a year and a half at that level.

Re: Walmart Store Card

Anonymous — Tue, 07 May 2013 00:11:27 GMT

@JWest wrote:
After approval does it really take the 7-10 days to receive the card?

Yes. You can usually use it online before then, though.

Re: Walmart Store Card

Guyatthebeach — Tue, 07 May 2013 00:52:13 GMT

I was approved for $300 last month with a 646 TU. I was very surprised because I burned in my bankrupcty, discharged in 2/12. My card arrived exactly 7 days after I applied for it. I like getting my TU score every month.

Re: Walmart Store Card

mcf — Tue, 07 May 2013 00:59:33 GMT

@jwest congrats on your wallycard, remember GE luvs you, But you gotta love them first! Every GE card ive gotten has got awesome luv on the cli, but never late always use a lil and PIF or carry a small balance in some months..at least has worked for me.

Re: Walmart Store Card

JWest — Tue, 07 May 2013 11:50:04 GMT

Thanks guys for all the helpful advice

Re: Walmart Store Card

dddewdrop — Tue, 07 May 2013 14:06:13 GMT

It is easier to get a Discover IT card than a Walmart Discover card and the benefits of the regular Discover are way better except for the free FICO score...

Re: Walmart Store Card

Give_Me_Credit_Please — Tue, 07 May 2013 15:23:57 GMT

Yes I agree with you. Automated system has a criteria to pass.