topic Re: Walmart hard or soft pull? in Rebuilding Your Credit

Walmart hard or soft pull?

SLR72689 — Sun, 03 Mar 2013 00:31:31 GMT

Anyone have an idea? I've only found things on CLI for Walmart being a soft pull, but not for applying for a Walmart store card.

Re: Walmart hard or soft pull?

Anonymous — Sun, 03 Mar 2013 01:29:36 GMT

You get a HP for applying. They will most likely pull TU. Also, anecdotal evidence suggests that you have a better chance of approval and a better initial CL if you apply in-store, and more specifically, at the registers in the electronics or jewelry departments.

Re: Walmart hard or soft pull?

Shogun — Sun, 03 Mar 2013 02:05:20 GMT

@Anonymous wrote:
You get a HP for applying. They will most likely pull TU. Also, anecdotal evidence suggests that you have a better chance of approval and a better initial CL if you apply in-store, and more specifically, at the registers in the electronics or jewelry departments.

Re: Walmart hard or soft pull?

Epcot — Sun, 03 Mar 2013 02:22:18 GMT

I went to the website to apply late last year. I was logged in and when I went to the apply for the walmart credit card screen it told me I was pre-approved for the walmart card with a CL of $700. It was not a full app, just asked for my full social, dob and address. Nothing about income or anything else.
After applying I had to call in and answer a few security questions and she told me I was approved for the store card with a $700 CL. No HP ever showed up. I am very happy, but I am sure it is a rare experience.

Re: Walmart hard or soft pull?

rckstrscott — Sun, 03 Mar 2013 03:39:17 GMT

@Epcot wrote:
I went to the website to apply late last year. I was logged in and when I went to the apply for the walmart credit card screen it told me I was pre-approved for the walmart card with a CL of $700. It was not a full app, just asked for my full social, dob and address. Nothing about income or anything else.
After applying I had to call in and answer a few security questions and she told me I was approved for the store card with a $700 CL. No HP ever showed up. I am very happy, but I am sure it is a rare experience.

Very rare! Good job haha

Mine was def a hard pull, on TU

-scott

Re: Walmart hard or soft pull?

SLR72689 — Sun, 03 Mar 2013 15:17:02 GMT

@Epcot wrote:
I went to the website to apply late last year. I was logged in and when I went to the apply for the walmart credit card screen it told me I was pre-approved for the walmart card with a CL of $700. It was not a full app, just asked for my full social, dob and address. Nothing about income or anything else.
After applying I had to call in and answer a few security questions and she told me I was approved for the store card with a $700 CL. No HP ever showed up. I am very happy, but I am sure it is a rare experience.

The same thing happened for me with Victoria's Secret & Express, although I didn't do the express one. I was curious to see if that happens for Walmart too.

Re: Walmart hard or soft pull?

Anonymous — Sun, 03 Mar 2013 15:31:22 GMT

Walmart is a YMMV

If you apply for the card it usually consist of a hard pull.

If you are selected for a pre approval while signed in on their site or during check out it results in a soft pull only.

Re: Walmart hard or soft pull?

SLR72689 — Sun, 03 Mar 2013 15:34:51 GMT

@Anonymous wrote:
Walmart is a YMMV

If you apply for the card it usually consist of a hard pull.

If you are selected for a pre approval while signed in on their site or during check out it results in a soft pull only.

I tried the shopping card trick and it didn't work so I guess I'm not pre-approval material... yet!