Is there a way to recon a walmart denial ?

[patoot10]

hello

i applied for walmart at store and got denied for absolutely no obvious reason (according to me)

am just starting out with my credit and i got approved for a credit card with a decent limit (not secured) and wanted the walmart card with a hope of a small limit to start things off

alot of people here and in person told me that its fairly easy to get approved if you don't have a thick file full with problems which i don't

so anyway i called them and they said all i can do is wait for the letter to explain the reasons

my question here is there someone to speak to about this now or when the letter comes to discuss the reasons and see if its possible to get approved even for a small limit

or it up to the computer decision and thats it !.. cause surely there is someone out there that can review these things manually and make a decision on their own

very frustrated

thanks

[SecretAzure]

All numbers available on should be on the backdoor numbers page that is stickied on this forum. So just to make sure I'm understanding you, you have no credit at all? Or you have successfully obtained 1 credit card?

http://ficoforums.myfico.com/t5/Credit-Card-Applications/Backdoor-Numbers/td-p/408066

[patoot10]

i have an unsecured discover card (got approved for it right away first card)

[Anonymous]

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@SecretAzure wrote:

All numbers available on should be on the backdoor numbers page that is stickied on this forum. So just to make sure I'm understanding you, you have no credit at all? Or you have successfully obtained 1 credit card?

http://ficoforums.myfico.com/t5/Credit-Card-Applications/Backdoor-Numbers/td-p/408066

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That's the big question. If this is OP's first line of credit ever that is likely the reason for a denial. If that is correct, I'd recommend checking out Discover's secured card. Discover generally likes clean thin files, they offer great rewards, and have a really good 7 month graduation review.

[Anonymous]

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@patoot10 wrote:

i have an unsecured discover card (got approved for it right away first card)

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Looks like we posted at the same time, disregard my former post.

When did you apply for the Discover card? If it was very recently that could also be the reason. Early on in your credit journey you often need to take it slow.

[patoot10]

well if store cards with low credit limits and high apr need high score and good credit report although you can only use them IN THE STORE .. then i guess the banks should give people some REALLY hard time before approving them for their visa and mastercards

so what do you reccomend for walmart if they think they are good enough for people who are trying to get their cards even with a low limit to start things up

and still .. is there a way to recon the computer ?

[Anonymous]

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@patoot10 wrote:

well if store cards with low credit limits and high apr need high score and good credit report although you can only use them IN THE STORE .. then i guess the banks should give people some REALLY hard time before approving them for their visa and mastercards

so what do you reccomend for walmart if they think they are good enough for people who are trying to get their cards even with a low limit to start things up

and still .. is there a way to recon the computer ?

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Yes, you can always recon. If I recall correctly, Walmart is issued by Sync. You can find their recon/EO numbers here: http://ficoforums.myfico.com/t5/Credit-Card-Applications/Backdoor-Numbers/td-p/408066

Although it might be worth waiting for the letter to see what their reasoning was so you can think about your explanation/respond to the analyst. But that's just me, I like going into recons with a gameplan.

[Aduke1122]

They may just want to see how you do ESP if your new to credit , use your Care credit cc and pay it off and in a few mths try for wal mart again they are issued by the same lender Synch so once they see you have good payment history they will open up to you

[patoot10]

i spoke to the backdoor numbers which gets you to someone better than the customer service rep

they said they have no way to override computer decisions

i mean this is BS cause the day we let computers control us not the other way around is the day we lose faith in the human mind

[Aduke1122]

I understand your frustration , sadly it's just how it is nowadays with most lenders