Received Walmart Credit Card Pre-approval (w/ Data Points)

[Anonymous]

So I am right at 1 year post BK 7 filing, will be at 1 year discharge in January. Seems like all the prequals started coming in last week. So for anyone else that has been through a BK 7 in the last several months or so, looks like some banks are going by filing date instead of discharge date.

Anyhow, filled in my acceptance number and was taken to the application portion. Got the Congrats, You're approved! message. Only thing that I don't get is they didn't give me a SL. Anyone have any idea what mine *might* be with my scores? All cards are at $0 in profile except CapOne which is close to limit (yes, shame on me). Scores below:

EQ 610 / TU 649 / EX 667

[Anonymous]

Congrats!

Was this a mailed offer?

[Anonymous]

Thank you.Yes, this was a mailed offer. It also seems like I can't take advantage of the $35 statement credit by spending $75 the day you apply either. No signup/sign in option, no SL, no nothing. Just a look for the card in 7-10 days. Kind of a debbier downer to see that promo and then have no way to redeem it.

[Anonymous]

**UPDATE**

If you get the message like I got with no SL and no way to redeem the offer this month for $35 off $75 purchase, call Synch Credit Solutions. They can provide SL (mine is $1,000) and also advised that I can go into Walmart, provide info, and they can print me off a temporary card. Hope this helps someone!

[Anonymous]

You might also be able to login to Walmart.com and see your limit there as well, if you applied through their site with an active account logged in.

its how I did mine, and I got the same message.  When I logged back into my walmart account it was right there under "credit cards"

 Edit to add:  strikethrough everything, that doesnt show the limit.  IIRC I got my limit from an email they sent me on approval.  Hard to remember.

Also Walmart pulls TU almost exclusively, and ironically I got mine with a 650 score (yours is 649 so basically same same), my SL was 500, and just last week got bumped to 3500 on soft pull CLI after only 2-3 months and my new TU being 661

[Anonymous]

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@Anonymous wrote:

EQ 610 / TU 649 / EX 667

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Call the number at the bottom of the approval and ask for your CL.

[Anonymous]

Congrats on your approval!

I am at my 1 yr since filing Ch. 7, I filed 10/16 (d/c 2/17). I also received the prequalify letter from Walmart this week. This is my 2nd letter. Considering applying, however I saw a few posts where ppl were still denied. So a little apprehensive.  Wish these letters had credit limits already to know if its worth the HP! 

I don't have any Synchrony cards. Walmart comes in handy just before Thanksigiving/Black Friday, so strongly considering it since i have 2 other cards this card can age with. I much prefer a Sam's Club credit card though. Wonder if our chances are good for an approval with Sams Club's card, also through Synchrony, if we pre-qualify for Walmart.

[Anonymous]

Thanks! Seems like they are targeting everyone!

From what I have read, Sync Visa/MC products are quite a tier above their store cards. If you're just now getting the mailers like me, don't waste the hard pull on them. However, since you have the preapproval, I'd go ahead and app for the Walmart card. They sent that to you for a reason! If you don't like your SL, you can always call Synchrony Solutions when you call to get the SL and ask for a CLI.

[Anonymous]

Well..I applied. But I got the 7-10 day message. Wasn't an instant approval. Instantly got the alerts from Credit Karma and TU of the inquiry. I imagine they pulled TU...my worst credit score. 

[Anonymous]

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@Anonymous wrote:

 I much prefer a Sam's Club credit card though. Wonder if our chances are good for an approval with Sams Club's card, also through Synchrony, if we pre-qualify for Walmart.

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Sam's Club cards are harder to get but you can use Walmart cards at Sam's.