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Pre-Approved for Walmart Store Card

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tcbofade
Super Contributor

Re: Pre-Approved for Walmart Store Card


@LS2982 wrote:
Any new credit will result in a HP, altho fingers crossed you get lucky!


Not necessarily...

 

Different bank, but similiar situation...when I read a thread on here about VS preapprovals...I went online...did some shopping...was preapproved at check out, and accepted their offer...new account did show up...no inquiry ever showed...

 

This is the first I've heard about GE doing it tho...

 

OP, did you ever see an inquiry show up?

Fico 8 06/01/26: EX 791, EQ 819, TU 808.
Fico 9: EX 812 04/15/25, EQ 804 04/08/25, TU 792 02/15/25.

Zero percent financing is where the devil lives...
Message 31 of 41
TeeandDee
Frequent Contributor

Re: Pre-Approved for Walmart Store Card


@Mekitcat wrote:

@TeeandDee wrote:

Well...I haven't receieve an alert, but I went ahead and checked Equifax and so far no new Walmart Inquiry.  Only the hardpull they did back in January.  I also checked my TU file since that was the credit report Walmart pulled back in January and no new inquiry there either.   I know anything is possible and that I could get an Alert tomorrow, but it sure would be nice if they did a soft pull...lol!    I read on here somewhere that Walmart reports pretty quickly (someone said within two-three days of being approved), so perhaps the inquiry will show up the same day the cc reports. If this is a delayed Equifax alert, it will be the first for me.



Yes they do! Mine reported before I even received my card!

 

And congrats to you Smiley Happy Its nice to get your score every month from them.



Thank you!!!

Slowly building....
Message 32 of 41
TeeandDee
Frequent Contributor

Re: Pre-Approved for Walmart Store Card


@tcbofade wrote:

@LS2982 wrote:
Any new credit will result in a HP, altho fingers crossed you get lucky!


Not necessarily...

 

Different bank, but similiar situation...when I read a thread on here about VS preapprovals...I went online...did some shopping...was preapproved at check out, and accepted their offer...new account did show up...no inquiry ever showed...

 

This is the first I've heard about GE doing it tho...

 

OP, did you ever see an inquiry show up?



No, I haven't receive any alerts today!  Just to be sure, I  checked Equifax and TU and no new inquiries hit! 

Slowly building....
Message 33 of 41
LS2982
Mega Contributor

Re: Pre-Approved for Walmart Store Card


@TeeandDee wrote:

@tcbofade wrote:

@LS2982 wrote:
Any new credit will result in a HP, altho fingers crossed you get lucky!


Not necessarily...

 

Different bank, but similiar situation...when I read a thread on here about VS preapprovals...I went online...did some shopping...was preapproved at check out, and accepted their offer...new account did show up...no inquiry ever showed...

 

This is the first I've heard about GE doing it tho...

 

OP, did you ever see an inquiry show up?



No, I haven't receive any alerts today!  Just to be sure, I  checked Equifax and TU and no new inquiries hit! 


Have you checked EX?? It's rare but recently I heard about them pulling EX.




EQ FICO 548 3/3/16
Message 34 of 41
Repo-ed
Senior Contributor

Re: Pre-Approved for Walmart Store Card

Sooooo....walmart pulls from TU?  TU is my cleanest report (no baddies), yet shows my lowest FICO through USAA CMS - hmmm

5/2012: 560 credit scores across the board
12/2014: 750+
3/2017: 780+
11/2019: 833
2/2023: Experian via Chase United Explorer CC pull - 891
Message 35 of 41
LS2982
Mega Contributor

Re: Pre-Approved for Walmart Store Card

(senses an itchy app finger.......is this a good or bad thing?!?) lol



EQ FICO 548 3/3/16
Message 36 of 41
TeeandDee
Frequent Contributor

Re: Pre-Approved for Walmart Store Card


@LS2982 wrote:

@TeeandDee wrote:

@tcbofade wrote:

@LS2982 wrote:
Any new credit will result in a HP, altho fingers crossed you get lucky!


Not necessarily...

 

Different bank, but similiar situation...when I read a thread on here about VS preapprovals...I went online...did some shopping...was preapproved at check out, and accepted their offer...new account did show up...no inquiry ever showed...

 

This is the first I've heard about GE doing it tho...

 

OP, did you ever see an inquiry show up?



No, I haven't receive any alerts today!  Just to be sure, I  checked Equifax and TU and no new inquiries hit! 


Have you checked EX?? It's rare but recently I heard about them pulling EX.


Yes, I have the Discover Card Credit Monitoring and I pulled the report this afternoon, no Walmart Inquiry!  I still won't fully feel in the clear until tomorrow! If I get no Alerts tomorrow...than I may have dodged the Credit Inquiry Bullet! LOL!!!!!!! Smiley Very Happy

Slowly building....
Message 37 of 41
LS2982
Mega Contributor

Re: Pre-Approved for Walmart Store Card


@TeeandDee wrote:

@LS2982 wrote:

@TeeandDee wrote:

@tcbofade wrote:

@LS2982 wrote:
Any new credit will result in a HP, altho fingers crossed you get lucky!


Not necessarily...

 

Different bank, but similiar situation...when I read a thread on here about VS preapprovals...I went online...did some shopping...was preapproved at check out, and accepted their offer...new account did show up...no inquiry ever showed...

 

This is the first I've heard about GE doing it tho...

 

OP, did you ever see an inquiry show up?



No, I haven't receive any alerts today!  Just to be sure, I  checked Equifax and TU and no new inquiries hit! 


Have you checked EX?? It's rare but recently I heard about them pulling EX.


Yes, I have the Discover Card Credit Monitoring and I pulled the report this afternoon, no Walmart Inquiry!  I still won't fully feel in the clear until tomorrow! If I get no Alerts tomorrow...than I may have dodged the Credit Inquiry Bullet! LOL!!!!!!! Smiley Very Happy


I think you might have just beat it!!! Good stuff!!!




EQ FICO 548 3/3/16
Message 38 of 41
Repo-ed
Senior Contributor

Re: Pre-Approved for Walmart Store Card


@LS2982 wrote:
(senses an itchy app finger.......is this a good or bad thing?!?) lol

Nah, lol....the thought did cross my mind, but I do know better.  What it SHOULD mean, is when I know I'm ready, I KNOW I won't be declined =)

5/2012: 560 credit scores across the board
12/2014: 750+
3/2017: 780+
11/2019: 833
2/2023: Experian via Chase United Explorer CC pull - 891
Message 39 of 41
LS2982
Mega Contributor

Re: Pre-Approved for Walmart Store Card


@Repo-ed wrote:

@LS2982 wrote:
(senses an itchy app finger.......is this a good or bad thing?!?) lol

Nah, lol....the thought did cross my mind, but I do know better.  What it SHOULD mean, is when I know I'm ready, I KNOW I won't be declined =)


Smiley Very Happy

 

Confidence is good!!!




EQ FICO 548 3/3/16
Message 40 of 41
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