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Walmart One card

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AndySoCal
Senior Contributor

Walmart One card

I tried to prequalify for the card via the Walmart app. I had Trans Union and Experian unfrozen. The results said I was pre qualified but no credit limit was shown. All the other information such as rate etc shows. I have tried it several times same result. Any ideas of what might be the problem?

FIC Scores XPN v8 805 V2 831 (SDFCU) TUC V 8 800 07/25 EFX Bankcard v8 822 EFX FIC0 v8 807 Vantage score 4.0 817 via JC Penney
JC Penney 10/2008 4,700 US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 14,100, State Dept. FCU 06/2023 25,000 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Commonwealth Credit Union 15000 07/25 Walmart One 5000 12/04/25
Banking: Lafayette FCU Fortera FCU State Department FCU Redstone FCU Hughes FCU Commonwealth FCU
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank Comerica Bank BMO US Bank Wells Fargo
Message 1 of 14
13 REPLIES 13
LiamDavis
Member

Re: Walmart One card

You don't always see a credit limit with pre-qual. They probably just aren't evaluating for that yet. Just getting pre-qualified is the most important thing, since it means you have high approval odds. 

Message 2 of 14
Rebuild2019
Valued Contributor

Re: Walmart One card

@AndySoCal  try unlocking the EQ one also. I think I had them all unlocked when I did the prequalifier. This card has been showing the amount before you accept. If it does not show give them a call before you pull the trigger. Good luck. 


CARDS: Discover It | Kohl’s | Truist Spectrum Cash Rewards | Truist Bright | CITI Custom Cash | Chase Freedom Flex | Chase Amazon Prime Visa | VACU Cash Rewards Mastercard | Sam’s Club Mastercard | PenFed Gold Visa | NFCU CashRewards Plus | NFCU More Rewards | NFCU Platinum Visa | AMEX BCE | Verizon Visa | Wells Fargo Active Cash | Amazon Prime | AAA Daily Advantage | US Bank Cash+ | Wells Fargo Reflect | Citi Costco Visa | One Pay Cash Rewards | BofA Customized Cash Rewards Visa Signature | Wells Fargo Personal Loan | NFCU Auto Loan
>Starting Scores 05/2019: EQ:519, EX:525, TU:574

CLOSED : Capital One Quicksilver One | OpenSky |

BUSINESS CARDS: Amazon Business Prime AMEX
Message 3 of 14
bigpoppa09
Established Contributor

Re: Walmart One card


@AndySoCal wrote:

I tried to prequalify for the card via the Walmart app. I had Trans Union and Experian unfrozen. The results said I was pre qualified but no credit limit was shown. All the other information such as rate etc shows. I have tried it several times same result. Any ideas of what might be the problem?


I had posted about this about 2 weeks ago unlock EQ. They SP my EQ instead of TU.

 

Re: Synchrony - myFICO® Forums - 6847107 https://share.google/mei1HJ9mtOf0OUpx0

Message 4 of 14
Varsity_Lu
Valued Contributor

Re: Walmart One card


@AndySoCal wrote:

I tried to prequalify for the card via the Walmart app. I had Trans Union and Experian unfrozen. The results said I was pre qualified but no credit limit was shown. All the other information such as rate etc shows. I have tried it several times same result. Any ideas of what might be the problem?


I don't think I was shown a credit limit before during pre-approval either.  In fact, I am not sure I have ever had a card application show me that.  I have had OnePay Mastercard about a month and have really grown to like it.  I don't carry the card at all, but just use it for Walmart+ stuff.  The 5% is pretty nice.  I've already gotten almost $100 bucks back, although $35 of that was their sweet, fat, juicy SUB.

Blue Cash PreferredBlue Cash EverydayHilton HonorsSavorREIFidelity Rewards VisaMore RewardsVoice Rewards + Perks CheckingMax Cash PreferredAAA Travel AdvantageCashRewards
American Express National BankCapital One, N.A.Fidelity InvestmentsNavy Federal Credit UnionHuntington National BankMechanics Savings Bank
FICO® 8: 844 (Eq) · 838 (Ex) · 812 (TU)

Message 5 of 14
DeeBee78
Valued Contributor

Re: Walmart One card

I prequalified using the Walmart desktop web site. It showed me the non-Mastercard version and a $5k limit. Meanwhile my Capital One Walmart Mastercard had a $22k limit, so no thanks Synchrony. 

Message 6 of 14
Varsity_Lu
Valued Contributor

Re: Walmart One card


@DeeBee78 wrote:

I prequalified using the Walmart desktop web site. It showed me the non-Mastercard version and a $5k limit. Meanwhile my Capital One Walmart Mastercard had a $22k limit, so no thanks Synchrony. 


Are you talking about the The OnePay Walmart Spend Card?  Odd that you got that high of a CL on that.  I only got $4k on the OnePay CashRewards Card which is a better card, right?

Blue Cash PreferredBlue Cash EverydayHilton HonorsSavorREIFidelity Rewards VisaMore RewardsVoice Rewards + Perks CheckingMax Cash PreferredAAA Travel AdvantageCashRewards
American Express National BankCapital One, N.A.Fidelity InvestmentsNavy Federal Credit UnionHuntington National BankMechanics Savings Bank
FICO® 8: 844 (Eq) · 838 (Ex) · 812 (TU)

Message 7 of 14
AndySoCal
Senior Contributor

Re: Walmart One card

FWIW Synchrony pulled Equifax. When I looked my Equifax credit report it reminded me my Capital One Walmart Card had 3000 credit limit.  

FIC Scores XPN v8 805 V2 831 (SDFCU) TUC V 8 800 07/25 EFX Bankcard v8 822 EFX FIC0 v8 807 Vantage score 4.0 817 via JC Penney
JC Penney 10/2008 4,700 US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 14,100, State Dept. FCU 06/2023 25,000 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Commonwealth Credit Union 15000 07/25 Walmart One 5000 12/04/25
Banking: Lafayette FCU Fortera FCU State Department FCU Redstone FCU Hughes FCU Commonwealth FCU
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank Comerica Bank BMO US Bank Wells Fargo
Message 8 of 14
bigpoppa09
Established Contributor

Re: Walmart One card


@AndySoCal wrote:

FWIW Synchrony pulled Equifax. When I looked my Equifax credit report it reminded me my Capital One Walmart Card had 3000 credit limit.  


Same for me as i stated earlier there SP EQ now instead of TU.

Message 9 of 14
zerofire
Valued Contributor

Re: Walmart One card

I know when I applied the HP landed on TransUnion. However I have heard that they will look into Equifax sometimes. Having it locked will cause things to not work right sometimes. You can either unlock it and try the pre-qual again or if you really want the product you can just apply normally. Worst they can do is give you a denial.

TU:816 12/19/24 Bank of America--EX: 809 01/03/25 Experian--EQ:836 01/06/25 myFICO--Gardening since N/A
Active:
Bank of America (Customized Cash Rewards VSC, Unlimited Cash Rewards WMC{PT}), Capital One (Discover It DC, Savor WEMC), Chase (Amazon Prime VSC, Freedom Flex WEMC [x2]), Citi (Custom Cash WEMC, Dividend MC), Citizens GreenSense WMC, Curve WEMC{S}, FNBO Ducks Unlimited VSC, GBank VSC, Imprint Rakuten AC, PenFed Pathfinder Rewards VSC, Santander Ultimate Cash Back WMC, Synchrony (OnePay Walmart CashRewards MC, PayPal Cashback WMC), UMB Simply Rewards VSC[Milford Federal], US Bank (Cash+ VSC [x2], Kroger Rewards WEMC, Pick n Save/Metro Market Rewards WEMC, Shield VC)
Wishlist: AAA Daily Advantage, AOD Signature, Aven, Bellco Colorado Rewards, Nusenda Platinum Cash Rewards, PCMCU Platinum Rewards, Redstone FCU Signature
Message 10 of 14
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