I just called the walmart number on my card and asked for a rep. The new card acct showed up immediately online when i logged on.
But when i applied instore i asked to apply for the mc asked for a credit card to swipe i gave them my walmart store card w/ $3,000 cl and when approved they gave me the printed receipt it said walmart dc which is the mc, along with the temp cl on it. Then got home went online and saw my cl was $2,500 and called asked for $5,000, (wished i asked for $10,000) was immediately told yes.
Now i was feeling good, too good actually, went on spree as i was just approved for Discover it card as well w/ $5,000 cl. Now i got cocky i will admit, (shhhhh) i know, and decided to go for the Cap 1 Venture card, as i have 2 cap 1 quicksilver accts $4,300 & $3,750 so again got cocky , denied, went for amex, denied, went fir Amazon visa, denied, went for boa rewards, denied. Ughhhh why did i do that, dumb dumb dumb, i felt like i fell off the wagon , like i let myself down. I got 2 out of 5 cards applied for, and i still feel crappy for the dings to scores. I will help my utilization but the amount owed doesnt change, lol.
So like everyone else is saying, it takes time.
I have a bk from 6/2012 and inq of 21tu, 13eq, 11ex. Along w/ high utilization of 30% ($7,000 owed) will drop once walmart mc & discover hit for $10,000 cli.
My scores before my spree were, fico8, 689eq, 696tu, 702ex
After my spree today my fico8 is 662eq, 692tu, 687ex.
I am closing 2 cards my credit confuser 1 card & my first molester card, they have done the job they were intended too. Now its time to stop paying the fees for not using them.
I have kohls, target, walmart store cards, and 2 cap1 , barclays, credit 1, first premier, discover, walmart mc, CU mc. In reality i dont have a need for more, its all ego and pride.
