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Wal Mart Card post bankruptcy

Established Member

Wal Mart Card post bankruptcy

Hello all, I seem to recall reading several posts from people mentioning Wal Mart was prior bankruptcy friendly. I filed in 2011 and included a walmart account. I recently got back in with WFNNB and figured I would give GE a shot through walmart. Be nice to have as an emergency backup card since they sell practically everything. Applied online and was denied, letter states pulled TU and bankruptcy reason for denial. 


Does GE blacklist? How long does GE make you set out before approving you for new accounts with them? Since GE now issue so many store cards I'd like to start rebuilding that relationship, 


Thanks for any advice. 

Message 1 of 15
Valued Member

Re: Wal Mart Card post bankruptcy

I was able to get a GE Care Credit card in 2011, but applied for walmart june 2012, and was denied due to bkrptcy.  I have score of almost 700 and not been late since Jan 2009. I was still denied.  I was also denied Credit increase last year on my Care Credit.   For first time in June, I got a Merrick bank offer with no annual fee.  I accepted the 1000 cL. I attempt to keep all my cc at zero balance.    I did not owe anything to GE or walmart in my bankruptcy. 

Message 2 of 15
Regular Contributor

Re: Wal Mart Card post bankruptcy

My bankruptcy was discharged in Jan of '10. Started off with a Cap 1 secured for $200. (now $300) followed by an unsecured Cap 1 ($500) and Orchard (also $500). Both of them now have $750 limits. and my scores are in the mid-600 range. I'm going to try for Walmart in a few weeks. From reading in the credit card section of this site, they look to be hit or miss. I'm going to apply for a few different cards in a short time with them at the top. As you mention, they sell post everything so it will come in handy. 

EX 638 (Lender 9/1) TA 650(Walmart 9/1) EQ 655 (FICO - 9/17)
Goal - 700 Club in '13!!!

My Wallet - Cap 1 - $300. Cap 1 - $750. Orchard - $950.
New as of 8/29 - Target - $3000. Barclay's - $2000. Merrick - $1000. Walmart $600. And as of 9/22 - JCP $200.
Message 3 of 15
Established Member

Re: Wal Mart Card post bankruptcy

My ch7 was discharged April 2010 and I was just approved for the store card with a 800 cl.  They pulled TU - score = 673.  Currently have a few store cards and some rebuilders.  

Starting Score: TU 544; EQ 533 (BK Ch7 Discharged 3/2010)
Current Score: TU 710; EQ 741; EX 717
Alliant CU Visa 4,000; Barclay Bank 8000; Credit One 2450; Kay 7,400; Merrick Bank 300; Lowes 15,000; Target 5000; Capital One 8,300; PayPal BML 5,500; Total Rewards (Comenity) 12,000; Amex BCE 19,000; Cabela 8,500; Discover 14,000; PenFed 10,000 UTIL=~25% + 3 personal loans and 1 auto.
Message 4 of 15
Regular Contributor

Re: Wal Mart Card post bankruptcy

i had a ch7 bk discharged in 8/09. never had any ge accts before because i was always denied. ge has been showing me so much luv in the last couple months:

ashley furniture 4000

paypal smart connect 500

walmart store card 500

Starting Score: EQ 505 jul09
Current Score: EQ 702 TU 693 EX 692 apr12
Goal Score: 700+

Take the FICO Fitness Challenge
Message 5 of 15
Regular Contributor

Re: Wal Mart Card post bankruptcy

I was just approved for a Walmart card 14 months post bk.  My bk discharged 07/2012.  I applied for Walmart in 02/2013...denied.  Decided to wait until a year post discharge.  Approved for 1200 09/2013.  I did include GE in my bk with a JCPenney card, but it was not reporting either time that I applied because I was able to get it disputed off.  Don't know if that made a difference or not.  Good luck, All!

Starting Score: 601
Current Score: 739 TU
Goal Score: 800

Take the myFICO Fitness Challenge
Message 6 of 15
New Contributor

Re: Wal Mart Card post bankruptcy

I was approved for a Wal-Mart card 11/12, seven months after BK 13 discharge.  Only $150 limit but have gotten an increase every 4 months, currently $950.  Hoping for another increase soon.

Cap One Quicksilver ($10,000); Barclays Rewards WMC ($7200); Lowes ($4050); Wal-mart ($3250); HSN ($1800); Amazon ($2300); Sportsmans Guide Visa ($1400); Target ($700); Victoria's Secret ($900)

EX: 806, EQ: 780, WM TU: 806
Message 7 of 15
New Member

Re: Wal Mart Card post bankruptcy

Yes i had a bankruptcy march 2012 and i did burn a sams club card and was able to get a walmart about 7 mos after the discharge for 150 limit lol but yes u can get back into ge good grace but so far ive not been able to get an increase so go figure and my fico is 636. Also i have several credit accounts and pay on time every month! My utilization does vary and right now its about 49% but has been much lower and still want give me an increase. I figure they maybe waiting for a year anniversary on the card before they start initiating cli. Just a theory lol.

Message 8 of 15
Valued Contributor

Re: Wal Mart Card post bankruptcy

I got a $500 Walmart 7 months after discharge.

Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Message 9 of 15
Regular Contributor

Re: Wal Mart Card post bankruptcy

I cannot seem to get one, although I have not tried since either early this summer or last fall....Have only received one actual paper denial which makes me think that they are not even pulling my report any more.  I have given up on them for the time being...may try in December since they do seem to be more willing around the holidays.  And my utilization will be lower by that time as well, will only have balances on 2 cards the rest will all be paid.  I know, not supposed to carry balances but my son had a couple of incidents and needed my help - insurance deductibles and of course car tires as well.


Prior to BK I did have a Sams card, was actual credit card, not just store card....paid it off.  They closed due to inactivity and it was in good standing which makes it even harder to understand their consistant denials for me.  I just get "BK - Denial"


Oh well hopefully, they will approve me this time around as they are our local grocery/everything store in the area and shop there every week.


Fingers crossed




Starting Score: 650 Current Score: EQ:674 (SW Alert 12-28-15) - TU: 698 (5/27/13 SW)Chapter 7 filed 8/2009 - Discharged 12/2009 Goal Score: 750
Joined the garden again 12/5/13
In the garden again till at least 6/1/16

Message 10 of 15