When I applied for the Walmart card, they gave me the 7-10 message. I called immediately and had to work hard on the phone for at least 45 minutes with CSR's, and underwriters, Supervisors etc.. They pulled TU when I appled Online, and then when I told them I wanted the Wally Discover, they pulled Equifax without telling me. I was approved with a low limit, but I had a thin file.
