2 Credit cards-one store

Anonymous · ‎08-16-2016

Hey all, I have a Walmart store card. Went for the Walmart MC. Was issued another store card with a $600 limit. Is this normal? I finished my app with a rep from Synchrony. I said I now have two store cards? She giggled and said yes. Anyone else with this experience?

ddemari · ‎08-16-2016

this is common. For the best odds of the MC, you should have a TU Fico at least 690+.

I was able to get Wal-Mart MasterCard approved online but usually its best to go into the store and apply.

The try to consider you first for the MasterCard and if they cant, they give you the store card. There definitely are others out there that have fallen into the same problem.

Anonymous · ‎08-16-2016

Thank you. I'm at a 649 TU Fico. I will wait it out since I'm up a 100 points since my rebuild started

AverageJoesCredit · ‎08-16-2016

Same happened to my Dad ,he applied again hoping for mc, got another Wally

zerofire · ‎08-16-2016

For the best results you should have a CS of 750 or higher. For the Walmart MC 700 is a good number to work from since Walmart is using high entry requirenments for their MC card and locking it to a store backed loan for lower people. Most applicants that get an MC are 680+ with 680-700 being mixed results.

TU:816 12/19/24 Bank of America--EX: 809 01/03/25 Experian--EQ:836 01/06/25 myFICO--Gardening since N/A

Active:
Bank of America (Customized Cash Rewards VSC, Unlimited Cash Rewards WMC{PT}), Capital One (Discover It DC, Savor WEMC), Chase (Amazon Prime VSC, Freedom Flex WEMC [x2]), Citi (Custom Cash WEMC, Dividend MC), Citizens GreenSense WMC, Curve WEMC{S}, FNBO Ducks Unlimited VSC, GBank VSC, Imprint Rakuten AC, PenFed Pathfinder Rewards VSC, Santander Ultimate Cash Back WMC, Synchrony (OnePay Walmart CashRewards MC, PayPal Cashback WMC), UMB Simply Rewards VSC[Milford Federal], US Bank (Cash+ VSC [x2], Kroger Rewards WEMC, Pick n Save/Metro Market Rewards WEMC, Shield VC)
Wishlist: AAA Daily Advantage, AOD Signature, Aven, Bellco Colorado Rewards, Nusenda Platinum Cash Rewards, PCMCU Platinum Rewards, Redstone FCU Signature

Anonymous · ‎08-17-2016

Can anyone anyone give their experience like a hypothetical 700 with 9% utilzation and a couple of late payments vs. A 700 score with significant util and no bad marks?

Anonymous · ‎08-17-2016

@Anonymous wrote:
Hey all, I have a Walmart store card. Went for the Walmart MC. Was issued another store card with a $600 limit. Is this normal? I finished my app with a rep from Synchrony. I said I now have two store cards? She giggled and said yes. Anyone else with this experience?

Yes, i had the same problem. I applied for the Walmart MC and got another store card with a $1200 limit. I had them to close the card on the same day.

Anonymous · ‎08-17-2016

I'm thinking I will pay off the $300 limit card (small balance) cancel then keep the higher limit one. Unless the agree to combine the limits to one card of course!