topic Re: Why the 7-10 day message for WalMart? I'm sure it's a denial. in Credit Cards

Why the 7-10 day message for WalMart? I'm sure it's a denial.

Anonymous — Sat, 06 Jul 2013 22:29:10 GMT

Thank you for your interest in a Walmart Credit Card.

You will receive a decision by mail in the next 7–10 days. Please make a note of your application's reference number for your records: KC7TP9

I've been rebuilding my credit for a few years. I'm pretty new to this forum so forgive me for not knowing the acronyms. I have EQ FICO 646, TU 623, and EXP 661. I've seen people with much lower scores get instant approval. I'm pretty discouraged. Any feedback is appreciated.

Re: Why the 7-10 day message for WalMart? I'm sure it's a denial.

Anonymous — Sat, 06 Jul 2013 22:34:56 GMT

@Anonymous wrote:
Thank you for your interest in a Walmart Credit Card.
You will receive a decision by mail in the next 7–10 days. Please make a note of your application's reference number for your records: KC7TP9

I've been rebuilding my credit for a few years. I'm pretty new to this forum so forgive me for not knowing the acronyms. I have EQ FICO 646, TU 623, and EXP 661. I've seen people with much lower scores get instant approval. I'm pretty discouraged. Any feedback is appreciated.

Call for recon. They could just want additional info. I got the same message for both of my Chase cards, I waited on the first one & was approved, and the 2nd time I called and after a manual review (which took a few minutes) I was approved. That message is not always the kiss of death.

Re: Why the 7-10 day message for WalMart? I'm sure it's a denial.

Anonymous — Sat, 06 Jul 2013 22:43:13 GMT

Thanks for responding so quickly. I see a lot of people saying recon. What does that mean and how do I do it?

Re: Why the 7-10 day message for WalMart? I'm sure it's a denial.

09Lexie — Sat, 06 Jul 2013 22:50:39 GMT

You might just need to provide id verification. I had to do the same thing with Wal as did my DH.

Recon means asking for a reconsideration on a credit decision - usually overturning a denial. Be prepared to discuss your cr, why you want their cc, etc.

Re: Why the 7-10 day message for WalMart? I'm sure it's a denial.

Repo-ed — Sat, 06 Jul 2013 22:51:06 GMT

@Anonymous wrote:
Thanks for responding so quickly. I see a lot of people saying recon. What does that mean and how do I do it?

Call this 1-877-294-7880 for an update on your application.

If they say it's been approved, you are good-to-go

If they deny you, then at that point, you ask them to reconsider their decision.

At this point they MR (Manual Review) your application.

Re: Why the 7-10 day message for WalMart? I'm sure it's a denial.

Anonymous — Sat, 06 Jul 2013 23:06:22 GMT

Unfortunately, I have been denied. I asked for a recon and they said once denied by the system, they can't override the application. I just need to wait to receive my letter. Not sure why when I've seen much lower scores get approved. Very disappointing. I have 5% utilization on my revolving accounts. Should I even try again at a later time?

Re: Why the 7-10 day message for WalMart? I'm sure it's a denial.

Repo-ed — Sat, 06 Jul 2013 23:11:44 GMT

www.whogavemecredit.com

Check here to see what others are saying.

Re: Why the 7-10 day message for WalMart? I'm sure it's a denial.

Simply827 — Sat, 06 Jul 2013 23:29:04 GMT

Yes you should try again later. Perhaps when your TU reaches 650.

Once you get in, the card will grow quickly and you get a free monthly TU score.

Re: Why the 7-10 day message for WalMart? I'm sure it's a denial.

HYPASS33 — Sun, 07 Jul 2013 01:12:21 GMT

Any other factors on your report that could have hurt you?

Re: Why the 7-10 day message for WalMart? I'm sure it's a denial.

Anonymous — Sun, 07 Jul 2013 01:56:08 GMT

I have lates and collections that goodwills did not work to remove. All are paid but I know it's not the same as being removed. What could be hurting me is a credit card I had with Old Navy that is no longer reporting due to age. I think it may be backed by GEMB.

Re: Why the 7-10 day message for WalMart? I'm sure it's a denial.

takeshi74 — Sun, 07 Jul 2013 02:25:32 GMT

@Anonymous wrote:
I've seen people with much lower scores get instant approval.

Can't speak specifically for Walmart but scores aren't always the only consideration. When was the last time you looked at your reports?

Re: Why the 7-10 day message for WalMart? I'm sure it's a denial.

Anonymous — Sun, 07 Jul 2013 02:26:33 GMT

I pulled it late June.

Re: Why the 7-10 day message for WalMart? I'm sure it's a denial.

gwizdak24 — Sat, 03 Aug 2013 18:37:29 GMT

Honestly, I just applied for the walmart card, got the same 7-10 day message, read this post, called this number (877)294-7880 (by the way it keeps asking for account number I said dont have one til I got transfered to someone who in turn transferred me to verification department) she asked my middle initial, verify my cell number, sent me a text and then told me I was approve for $300. not much but still something right?

Re: Why the 7-10 day message for WalMart? I'm sure it's a denial.

09Lexie — Sat, 03 Aug 2013 18:39:20 GMT

@Njf2203

Congrats! Treat them right and you will be rewarded.

Re: Why the 7-10 day message for WalMart? I'm sure it's a denial.

gwizdak24 — Sat, 03 Aug 2013 21:44:14 GMT

Thank you @09Lexie. I am trying to rebuild, do you suggest use a percentage and pay off in full every month?

Re: Why the 7-10 day message for WalMart? I'm sure it's a denial.

azguy13 — Sat, 03 Aug 2013 22:14:41 GMT

Sorry to hear the OP was not approved.

@njf2203, congrats on the approval. I do not personally have the walmart card but I hear it is one of the best growers out there.