topic Re: Wal-Mart store card question in Credit Cards

Wal-Mart store card question

Anonymous — Mon, 23 Dec 2013 03:23:40 GMT

I just opened the account roughly 3 weeks ago. I signed into today to check and make sure. My payment posted to see. This account can't be accessed online (I paid via bill pay though my bank). I call Wal-Mart and they tell me the account is under review by manage and call back jan 13th and then they can tell me something? Anyone have this happen to them?

Re: Wal-Mart store card question

FinStar — Mon, 23 Dec 2013 03:37:12 GMT

On the surface, it appears your account was flagged or suspended for some reason. Did you recently open several accounts, namely GECRB accounts (within the last 30-60 days)? Has your utilization increased considerably? Any negative items that have surfaced on your CRs? Was the original application submitted online or via the store?

Re: Wal-Mart store card question

LearningMoreAboutCredit — Mon, 23 Dec 2013 03:37:23 GMT

@Anonymous wrote:
I just opened the account roughly 3 weeks ago. I signed into today to check and make sure. My payment posted to see. This account can't be accessed online (I paid via bill pay though my bank). I call Wal-Mart and they tell me the account is under review by manage and call back jan 13th and then they can tell me something? Anyone have this happen to them?

Did they mention anything regarding verification? I was able to create an account after I had the card in hand...if you haven't been able to create an online account, you may have to wait. This is assuming you've attempted via direct website and through Walmart website as well as the number on the back of your card. TBH, it sounds like some sort of glitch especially if you've paid on the account which means it's an active account.

Re: Wal-Mart store card question

Anonymous — Mon, 23 Dec 2013 03:51:11 GMT

I had an Amazon account I opened then closed. In Under 3 weeks. Long story short got a call sometime verify a credit number for Amazon I gave it to them then called Amazon they never called. So asked to change The account number out card number. They sent me to a verification department and they asked questions that where my father's account. (I'm a junior) So I couldnt answer questions so she froze it. So I got irritated and closed it. I opened 4 or 5 accounts though ge bank (Amazon PayPal connect banana republic and care credit. I did apply for others and was denied. So I called PayPal and that acccount is under review also. Any ideas. Been making payments even when statements haven't been generated.

I work two jobs and make roughly 38500 a year. Filed bankruptcy in 2011 because of a million plus in medical bills

Re: Wal-Mart store card question

LearningMoreAboutCredit — Mon, 23 Dec 2013 03:57:57 GMT

@Anonymous wrote:
I had an Amazon account I opened then closed. In Under 3 weeks. Long story short got a call sometime verify a credit number for Amazon I gave it to them then called Amazon they never called. So asked to change The account number out card number. They sent me to a verification department and they asked questions that where my father's account. (I'm a junior) So I couldnt answer questions so she froze it. So I got irritated and closed it. I opened 4 or 5 accounts though ge bank (Amazon PayPal connect banana republic and care credit. I did apply for others and was denied. So I called PayPal and that acccount is under review also. Any ideas. Been making payments even when statements haven't been generated.

I work two jobs and make roughly 38500 a year. Filed bankruptcy in 2011 because of a million plus in medical bills

With the activity you just described, your profile may have been flagged for fraud. Not to mention that you and your father share the same name which can present its own set of problems. Once my son reached age of majority, every app I filled out included "Sr." at the end of my name to prevent a mixed file.

Pull your reports and see what's on there. If you see accounts that are not familiar to you, then you may have a mixed file. Also, pay attention if you have a FA (fraud alert) because if its on one report it will be on the other reports since they convey that type of information with one another.

Re: Wal-Mart store card question

Gunnar419 — Mon, 23 Dec 2013 04:01:58 GMT

GE doesn't like people opening a lot of its cards at once. We've had cases here before of people having all their GE accounts closed or put under review when they've opened multiple GE accounts in a short time.That alone could have triggered the problem.

Your previous financial problems may have added to GE's nervousness. Hard to say what impact that mess with the Amazon card may have had; but if they have your and your father's information mixed up, that could certainly be another contributing factor, but just opening multiple cards at once has been enough to trigger AA for some other MyFicoans.

ETA: My posting crossed with LearningMore's.

Re: Wal-Mart store card question

FinStar — Mon, 23 Dec 2013 04:02:14 GMT

@LearningMoreAboutCredit wrote:
@Anonymous wrote:
I had an Amazon account I opened then closed. In Under 3 weeks. Long story short got a call sometime verify a credit number for Amazon I gave it to them then called Amazon they never called. So asked to change The account number out card number. They sent me to a verification department and they asked questions that where my father's account. (I'm a junior) So I couldnt answer questions so she froze it. So I got irritated and closed it. I opened 4 or 5 accounts though ge bank (Amazon PayPal connect banana republic and care credit. I did apply for others and was denied. So I called PayPal and that acccount is under review also. Any ideas. Been making payments even when statements haven't been generated.

I work two jobs and make roughly 38500 a year. Filed bankruptcy in 2011 because of a million plus in medical bills

With the activity you just described, your profile may have been flagged for fraud. Not to mention that you and your father share the same name which can present its own set of problems. Once my son reached age of majority, every app I filled out included "Sr." at the end of my name to prevent a mixed file.

Pull your reports and see what's on there. If you see accounts that are not familiar to you, then you may have a mixed file. Also, pay attention if you have a FA (fraud alert) because if its on one report it will be on the other reports since they convey that type of information with one another.

OP, what was the timeframe for opening the other GECRB accounts? Did you open those other 4 or 5 within 60 days?

Re: Wal-Mart store card question

Anonymous — Mon, 23 Dec 2013 04:04:13 GMT

I went on a spree in the past 2 months with 18 inquiries. I rarely sign jr. I do not know to check fraud alerts and currently working with all 3 agencies in disputes on an first premier card reporting negative abd part of bankruptcy. When I paid in full in 2011 and closed bc of fees. Also a repo from 2011 that isn't being reported correctly. I also did put in apps for 7 other cars though ge bank sense 12/19. In 2.5 years I have no missed payments or negative factors besides bankruptcy and tax Lein. And repo.

Re: Wal-Mart store card question

FinStar — Mon, 23 Dec 2013 04:04:50 GMT

@Gunnar419 wrote:
GE doesn't like people opening a lot of its cards at once. We've had cases here before of people having all their GE accounts closed or put under review when they've opened multiple GE accounts in a short time.That alone could have triggered the problem.

Your previous financial problems may have added to GE's nervousness. Hard to say what impact that mess with the Amazon card may have had; but if they have your and your father's information mixed up, that could certainly be another contributing factor, but just opening multiple cards at once has been enough to trigger AA for some other MyFicoans.

ETA: My posting crossed with LearningMore's.

Exactly, anecdotal evidence from other folks who have had (or triggered) similar situations suggests that this was likely the outcome.

Re: Wal-Mart store card question

FinStar — Mon, 23 Dec 2013 04:06:17 GMT

@Anonymous wrote:
I went on a spree in the past 2 months with 18 inquiries. I rarely sign jr. I do not know to check fraud alerts and currently working with all 3 agencies in disputes on an first premier card reporting negative abd part of bankruptcy. When I paid in full in 2011 and closed bc of fees. Also a repo from 2011 that isn't being reported correctly. I also did put in apps for 7 other cars though ge bank sense 12/19. In 2.5 years I have no missed payments or negative factors besides bankruptcy and tax Lein. And repo.

What was the reasoning for applying for so many CCs, let alone GECRB accounts in such a short period?

Re: Wal-Mart store card question

Anonymous — Mon, 23 Dec 2013 04:06:42 GMT

I opened these all sense Dec 1st.

Wal-Mart

Amazon

Banana republic

Paypal smart connect

Care credit

And target that isn't being reported

Re: Wal-Mart store card question

Anonymous — Mon, 23 Dec 2013 04:07:53 GMT

Trying to build up a postive credit report with numerous open lines with in two years.

Re: Wal-Mart store card question

FinStar — Mon, 23 Dec 2013 04:09:55 GMT

@Anonymous wrote:
I opened these all sense Dec 1st.

Wal-Mart

Amazon

Banana republic

Paypal smart connect

Care credit

And target that isn't being reported

Not to be the bearer of bad news but it seems that GECRB is not going to budge on giving you access to those accounts (only to make payments via phone) until their review is completed at some point in January. It sounds like you poked the bear, a few times.

Re: Wal-Mart store card question

Anonymous — Mon, 23 Dec 2013 04:13:59 GMT

Probably bad but I figured open up the ones I will use and make timely payments on the accounts and keep the uti low for 2 years then watch my credit scores go up.

Re: Wal-Mart store card question

Anonymous — Mon, 23 Dec 2013 04:16:05 GMT

I have no issue making the payments on it at all just don't want the accounts closed. Anyone have suggestions besides don't take it anymore inquires

@Anonymous wrote:
Probably bad but I figured open up the ones I will use and make timely payments on the accounts and keep the uti low for 2 years then watch my credit scores go up.

Re: Wal-Mart store card question

LearningMoreAboutCredit — Mon, 23 Dec 2013 04:21:02 GMT

@Anonymous wrote:
I opened these all sense Dec 1st.

Wal-Mart

Amazon

Banana republic

Paypal smart connect

Care credit

And target that isn't being reported

Yeah, that would probably be the culprit. My best advice at this point is slow down. Credit building is a marathon, not a sprint and never obtain all of your credit with one creditor in a short time span. Let this be a lesson to learn from. Rebuilding your credit is two-fold; correcting inaccuracies on your reports AND adding new tradelines to replace them. What's done is done. Give it some time and if GECRB grants you those lines, let them age and wait 6-12 months before you app for new credit.

Good luck to you in whatever decision you make and the outcome w/GECRB.

Re: Wal-Mart store card question

FinStar — Mon, 23 Dec 2013 04:19:14 GMT

Just gonna have to ride this one out until they finalize their review which could have several outcomes depending on a variety of factors: (1) reopen only 1 account, (2) reopen some of the accounts, (3) reopen some accounts with reduced CLs or (3) closure of all accounts.

Re: Wal-Mart store card question

Anonymous — Mon, 23 Dec 2013 04:22:27 GMT

Do they usually close out the accounts?

Re: Wal-Mart store card question

FinStar — Mon, 23 Dec 2013 04:27:52 GMT

@Anonymous wrote:
Do they usually close out the accounts?

Yes, it's been known to happen. Just depends on the outcome of their internal review.

Re: Wal-Mart store card question

Anonymous — Mon, 23 Dec 2013 04:29:34 GMT

Lovely thanks for the input