Walmart Card Capital One Denial

[Gotham-]

Wow Just saw the commercial for the card
I think once your 30 inq go down Cap1 will give you their Card!

You have pretty solid DP

[zerofire]

While Walmart wanted more approvals for their card there was nothing in the paperwork that said that Capital One can not deny requests that they think are insane. Just like Capital One I have reason to believe that 30 inquiries is a bit much especially if they are all cards. I recommend that you sit back and have a break in the garden as those HP's fall off.

[Anonymous]

Eq 635, ex 730, tu 780

[Anonymous]

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@Anonymous wrote:
Eq 635, ex 730, tu 780

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Wow. Cap1 is on a scortched earth mission to clear the table at Wally World.

[Anonymous]

they denied my first application, reapplied at the recommendation of a store employee and approved

[Rebuild2019]

@Lking what changed in your profile from the time you were denied and the time an employee advised you to reapply? Just curious.

[FireMedic1]

@Rebuild2019that is strange. Let us know.

[ecxpa]

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@CreditUp26 wrote:
This was my thing is that there is no massive signup bonus for the Walmart card. I think you get 5% back in store the first year instead of 2%, that’s not a real bonus. So there’s no churn concern here. You would only apply for this card if you shop at Walmart. I could see also applying if you are desperate for credit but with $168K available I’m clearly not and 700+ FICO is low risk. They could have also just let me convert. It’s Ok though, Discover is 5% through the end of the year on Walmart.com so I’ll use that. Cap one has definitely tightened up lending but I read it’s because they see a recession coming soon. Going to garden a bit - just got Macy’s back so hopefully no AA On my other cards from the inq or ones I’ve opened and will try again in 6 months.

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What recession......the one that was coming 2 years ago?  From what I see credit is pretty fluid now....however, lenders are getting more selective and more people are starting to use credit cards again as they can earn money this way.  I will do my Christmas shopping this year with bonuses I have received from credit card usage.

[MrsSanchez80]

I wanted the Walmart card as well, but I believe I've been blacklisted by Cap1 since my bankruptcy😔😔😔

[recoveringfrombk7]

Cap One seems to let most people back unsecured around a year after discharge.  Some a lot sooner, but most by then.