Lowest credit score needed for walmart & target

[Anonymous]

Hi im rebuilding my credit my current scores are:
593 TU, EX 624, EQ 574. I' ve have the following cards for 7 months: Cap1secured 400 limit + rcvd 300 CLI last month, discover secured 200 CL, total visa 300 CL, just rcvd credit one visa w/ 300 CL, .... I would like a walmart or target cc.... Has anyone been approved with similar scores?

[Aduke1122]

650s to be on the safe side but I have seen some approved with as low as 600-620 for Wal Mart , they would pull TU . And as far as target goes , you can get approved for your scores they would pull EQ , it would be a smaller SL but I think you could get in .

[Aduke1122]

But Target is inquiries sensitive so keep that in mind also

[TXinandout]

I would say at least 620.

[Anonymous]

I was barely over 600 with EQ and I got a 500 sl with Target. My wife was in the low 600's and got a 500 card with Walmart. IMO the Walmart will grow a lot faster, but you do get 5% off with Target

[Anonymous]

Search for the credit pulls database and the answer to your question will be there as you'll be able to see the scores of people that were approved and denied for the card(s) you are considering.

[MrsCHX]

I was around 620 when I got mine. I think your TU is a little low (both Target and WM pulled TU for me). 

What's your utilization currently? If you're over 10% you may be getting dinged a little there and paying down your balances could bring your TU up over 600. Otherwise, if you give it a few months you should be in a better spot to app for one or both.

[Anonymous]

Is target card a different bank than it was in the past? I burned them previously about 7-10 years ago.

[Anonymous]

Is Walmart inquiry sensitive?

[Anonymous]

Kohls will give you a card.  I got denied by both Walmart and Target with scores like yours and nothing bad in 4 years and six figure annual income.  Really by the time you can get a card from either of them why would you want one.