Walmart Store Card Criteria

[DueDilligence]

Let me throw this out there. What are the chances of a person getting denied for a Walmart card. To be more specific, what is the minimal criteria one would have to meet?

[Anonymous]

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@DueDilligence wrote:

Let me throw this out there. What are the chances of a person getting denied for a Walmart card. To be more specific, what is the minimal criteria one would have to meet?

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You can check the credit pulls database website to compare the scores of people who were approved or declined.   It should give u a general idea of what it takes or u can post your scores here and people will give advice.    There are many store cards that are very easy to get and I think Walmart is one of those that is relatively easier to get.

[SunriseEarth]

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@DueDilligence wrote:

Let me throw this out there. What are the chances of a person getting denied for a Walmart card. To be more specific, what is the minimal criteria one would have to meet?

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OP, I've created a new thread and edited your headline to help you get better responses to your question.  Please feel free to edit if you'd like.

I received a pre-approval in the mail when my scores were ~625 on TU (August 2013).   I was instantly approved for $300.   It took 6 statements before I was able to get the LUV button to bump me to $700.   Four more statements and I LUV-buttoned to $1400.  After four more statements, I called Credit Solutions and went to $5K.  

[Anonymous]

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@DueDilligence wrote:

Let me throw this out there. What are the chances of a person getting denied for a Walmart card. To be more specific, what is the minimal criteria one would have to meet?

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620+ TU with baddies aged 1-2yrs+ is pretty standard.... There have been lower approved but as always, Exception is not the rule.

[App_Addict]

Low 600's and some time since your last bad is a general rule.  just expect a low starting limit at that range 300-500.

[DueDilligence]

Thanks guys!!!! One last question, is it a soft pull or hard pull?

[Zorasmiles]

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@DueDilligence wrote:

Thanks guys!!!! One last quetion, is it a soft pull or hard pull?

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Hard Pull it is..good luck.

[Anonymous]

i just got one with $700 sl. 633 tu score with 21 inq's. called recon got it bumped to 1100....should have tried for more...good luck

[DueDilligence]

What do the interest fees look like on this card, are there any special introductory deals?

[Anonymous]

Here's the Rates / Fees page from Walmart:

https://chb.onlinecreditcenter6.com/consumereApply/Internet/walmart/en/js/TermsConditions.htm

The MasterCard version has a signup bonus, but apparently the regular store card doesn't from what I can tell.  The MasterCard's signup bonus is a $25 statement credit for spending $75 or more the day you open the account, and an auto $5 statement credit for every $500 you spend (essentially 1% cashback).  

Edited to add: I don't see introductory interest rates or any special deals like that for either card.