Recon a Walmart application?

[oracles]

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@Creditaddict wrote:
they are closed and im not going to bother, it just irritates me, when someone works in the credit department and has the title, but can't do a thing against what the computer says, so what is the point to your job?

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to reaffirm the computer and remid you the computer said no lol

[pazuzu]

Wait and reapply at another time. They will approve you eventually.

I was turned down on my first try with Wal-Mart in '05 or '06, but was approved the second time in late '07. 

In fact, I thought I was declined on the second try, b/c I got the "7-10 day" response at the end of the online app. process. To my surprise, they called a few days later to verify my identity, and opened the account.

Message Edited by pazuzu on 01-21-2009 07:25 PM

[Anonymous]

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@Creditaddict wrote:
they are closed and im not going to bother, it just irritates me, when someone works in the credit department and has the title, but can't do a thing against what the computer says, so what is the point to your job?

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Yeah i applied for pay pal a while back an was denied an told they can't override there computer once your denied that's it you have to wait to reply.

[FIRSTACCOPLISHMENT]

THEY APPROVED MY DH AND HIS BK 3 YEARS OLD WITH $500 CL 

[wmarat]

Your statement is based on ... what?

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@Anonymous wrote:

High CL's beget high CL's, the other way around, i dont agree with.  UNLESS all you have is low CL's.  BofA isnt going to give you a 500 limit just because you have a 500 walmart card, when you also have a 9000 chase account.  Underwriters understand low CL is the nature of the beast when dealing with walmart/target/etc..

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@Anonymous wrote:

Low CL's beget low CL's.

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@Anonymous wrote:

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@Anonymous wrote:
Low CL, high APR, why would you want one?

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because he is the appaddict!!    =)   If you PIF and have anough CL to buy your groceries for the month, the low CL and high APR doesnt really matter.

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[Creditaddict]

I called and they just upset me. (as I knew they would)

ME: "I was declined, can that be recon or is computer answer the final say"

Her: "What the letter stated is the answer"

ME: "well it says bankruptcy and CLEARLY GE Walmart gives cards to people with Bankruptcy, so I'm not sure why I would be declined"

her: "Well if you already got the letter and thats what the letter states, that's the only thing I can tell you, I really don't know anything else, what the computer says is the answer"

ME: BYE

[Anonymous]

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@Creditaddict wrote:

I called and they just upset me. (as I knew they would)

ME: "I was declined, can that be recon or is computer answer the final say"

Her: "What the letter stated is the answer"

ME: "well it says bankruptcy and CLEARLY GE Walmart gives cards to people with Bankruptcy, so I'm not sure why I would be declined"

her: "Well if you already got the letter and thats what the letter states, that's the only thing I can tell you, I really don't know anything else, what the computer says is the answer"

ME: BYE

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Told u lol GE does not recon i tried twice before . Just wait six months an reply again.

[Creditaddict]

I need to remember how much I hate GE for personal cards when I feel like I just have to apply for something.

I do NOT need any of the cards that GE offers, I have most of them already anyway, through some way or another.

Dillards

Ebay Mastercard

American Eagle

Gap

I mean, I have a Walmart business card and they keep increasing my credit line, why bother with a personal... just pisses me off that they let the computer decide all things important when it comes to there cardholders.

the ebay mastercard cli denial i got today says they pulled credit, but i think they just use past reports, that would piss me off even more! 

[Anonymous]

I base that statement on the fact that 95% of the Walmart/Target store cards underwriters see on credit reports are toy limits.  Unless the underwriter is incompetent, they will see the patern and not make a lending decision based on that particular limit.

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@wmarat wrote:

Your statement is based on ... what?

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@Anonymous wrote:

High CL's beget high CL's, the other way around, i dont agree with.  UNLESS all you have is low CL's.  BofA isnt going to give you a 500 limit just because you have a 500 walmart card, when you also have a 9000 chase account.  Underwriters understand low CL is the nature of the beast when dealing with walmart/target/etc..

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@Anonymous wrote:

Low CL's beget low CL's.

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@Anonymous wrote:

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@Anonymous wrote:
Low CL, high APR, why would you want one?

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because he is the appaddict!!    =)   If you PIF and have anough CL to buy your groceries for the month, the low CL and high APR doesnt really matter.

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Message Edited by fender on 01-22-2009 06:04 PM

[WannaHouse]

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@Anonymous wrote:
Low CL, high APR, why would you want one?

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Not always true. I am rebuilding, had a BK in 04 and got a WalMart Discover in August with a 2K CL and 9.9 APR.