Capital One Wal-Mart 7-10 day message

Beast26 · ‎04-01-2020

Applied for the Walmart MasterCard today and got the wait for 7-10 day message.

Exp: 733. ~2 1/2 yrs AAOA

Eq: 737. ~6yrs AAOA

TU:741. ~6yrs AAOA

2 auto inquiries in the past 6 months

7 months revolving history. What do I do?

Revolving history: 2 years 4months across the board
AAoA:
TU: 5yrs 10months
EX: 2yrs 2 months
EQ: ~5yrs 6 months
Inquiries: Ex: 1/12. EQ: 1/12 Tu: 1/12
As of 10-5-2020

Quicksilver $3,000
Discover It Miles $17,500
Chase Freedom Flex $4,400
Amazon Prime Store Card $6,000
Walmart MC $2,500
Wells Fargo Active Cash $8,000
Citi Custom Cash $8,400
Verizon Visa $20,000

AllZero · ‎04-01-2020

Good luck on your application!

Beast26 · ‎04-01-2020

Should I call them or just wait? I have a Quicksilver with them for 6 months as well so I thought it would be a no brainer and an instant approval. I guess not.

Revolving history: 2 years 4months across the board
AAoA:
TU: 5yrs 10months
EX: 2yrs 2 months
EQ: ~5yrs 6 months
Inquiries: Ex: 1/12. EQ: 1/12 Tu: 1/12
As of 10-5-2020

Quicksilver $3,000
Discover It Miles $17,500
Chase Freedom Flex $4,400
Amazon Prime Store Card $6,000
Walmart MC $2,500
Wells Fargo Active Cash $8,000
Citi Custom Cash $8,400
Verizon Visa $20,000

TattnallTrio · ‎04-01-2020

Check your spam/junk folder. They may have sent you an email with a link that's requesting you to upload your driver's license. They did for me

Anonymous · ‎04-02-2020

If you don’t hear from them soon you could always call to see if it’s a verification issue.

Beast26 · ‎04-02-2020

I don't have anything in spam. What number should I call?

Revolving history: 2 years 4months across the board
AAoA:
TU: 5yrs 10months
EX: 2yrs 2 months
EQ: ~5yrs 6 months
Inquiries: Ex: 1/12. EQ: 1/12 Tu: 1/12
As of 10-5-2020

Quicksilver $3,000
Discover It Miles $17,500
Chase Freedom Flex $4,400
Amazon Prime Store Card $6,000
Walmart MC $2,500
Wells Fargo Active Cash $8,000
Citi Custom Cash $8,400
Verizon Visa $20,000

Beast26 · ‎04-02-2020

I got declined!

Credit history length too low, insufficient experience with high lines of credit, too many personal loans.

Should I just get a discover it cash back and hit the garden or should I work on increasing my limit on my $500 Quicksilver?

Revolving history: 2 years 4months across the board
AAoA:
TU: 5yrs 10months
EX: 2yrs 2 months
EQ: ~5yrs 6 months
Inquiries: Ex: 1/12. EQ: 1/12 Tu: 1/12
As of 10-5-2020

Quicksilver $3,000
Discover It Miles $17,500
Chase Freedom Flex $4,400
Amazon Prime Store Card $6,000
Walmart MC $2,500
Wells Fargo Active Cash $8,000
Citi Custom Cash $8,400
Verizon Visa $20,000

AllZero · ‎04-02-2020

@Beast26 wrote:
I got declined!
Credit history length too low, insufficient experience with high lines of credit, too many personal loans.

Should I just get a discover it cash back and hit the garden or should I work on increasing my limit on my $500 Quicksilver?

That is unfortunate.

Is the Quicksilver the only card you have?

Did you check out the Discover prequal site? Did you get any offers?

Beast26 · ‎04-02-2020

Yes I pre-qualified and applied for the discover 5% cash back version. I got declined for that too. Now at a loss. Is there a recon for it and should I waste my time? My only other card is a opensky secured card.

Revolving history: 2 years 4months across the board
AAoA:
TU: 5yrs 10months
EX: 2yrs 2 months
EQ: ~5yrs 6 months
Inquiries: Ex: 1/12. EQ: 1/12 Tu: 1/12
As of 10-5-2020

Quicksilver $3,000
Discover It Miles $17,500
Chase Freedom Flex $4,400
Amazon Prime Store Card $6,000
Walmart MC $2,500
Wells Fargo Active Cash $8,000
Citi Custom Cash $8,400
Verizon Visa $20,000

AllZero · ‎04-02-2020

@Beast26 wrote:
Yes I pre-qualified and applied for the discover 5% cash back version. I got declined for that too. Now at a loss. Is there a recon for it and should I waste my time? My only other card is a opensky secured card.

Well, that sucks. What was the Discover denial reasons? Was it similar to Capital One?