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Wal-Mart Credit Card

Established Contributor

Wal-Mart Credit Card

I was wondering if anyone knows if you are able to use the Wal-Mart GEMB credit card at Sam's Club?? Also are they generous with CLI? I just applied and got a $600 CL, same as the JcPenney card I opened a few months ago. My 4th statement cuts tonight I think, so I will try for an increase tomorrow. Just wonder if the Wal-Mart card will grow with me too.
WM TransUnion- 650 (6/2014) Credit Sesame Experian- 691 (6/2014) Credit Karma TransUnion- 665 (6/2014)
Amex Zync/UNICORN- NPSL/Capital One Venture One Pro -$7,000/NFCU Cash Rewards- $7,500/NFCU NavChek- $5,000/SouthWest Airlines- $5,000/Capital One Quicksilver Platinum- $3,000/Wal-Mart Discover- $6,000/Bill Me Later- $2,200/JCP- $4,700/Discover IT- $500/Care Credit -$2,300/Old Navy Visa- $2,000/New York & Company - $1,000/Capital One -$800
GOALS: No new inqs until 10/30/14. Pay off debt consolidation loan in less than 1 year. Snowball debt payments.
Last HP: 3/5/14
Message 1 of 14
13 REPLIES
Established Member

Re: Wal-Mart Credit Card

I started at $600 in January 2009. Since then, I've requested increases and gotten $750 and $900. Most recently, I got $1250 and they bumped it to $2500 within a week (without me requesting it). My JCP went from $600, to $750, to $1800.

 

Not sure if they take the WM card at Sams', but I would guess they probably do.

 

Good luck!


Starting Score: EQ- 669, TU- 695
Current Score: EQ- 682, TU- 704 (myFICO), EQ- 676, TU- 666, EX- 732 (LO pull)
Goal Score: 725+ for both


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Message 2 of 14
Frequent Contributor

Re: Wal-Mart Credit Card

Yes, they do take it at Sam's Club. I used mine there all the time before I got my Discover Card.

1/4/19 TU 761 EX 756 EQ 728 ---- Discover $25,500/BOA $25,000/Macy's $25,000/AmEx Delta Plat $18,500/Lowe's $15,000/Sam's Club MC $15,000/Wells Fargo PLOC $15,000/BOA Cash Rewards $13,800/Apple Rewards $12,100/GM BuyPower $10,000/AmEx Hilton Honors $10,000/Sam's Club Credit $10,000/Dick's MasterCard $10,000/Citi Simplicity $8200/Citi Double Cash $7900/Wells Fargo Visa $7000/Nationwide Visa $5300/State Farm $4000
Message 3 of 14
Regular Contributor

Re: Wal-Mart Credit Card

Yeah, as someone else mentioned, It is indeed accepted at Sams Club.  Also they are very generous with CLI's.. Also if you get approved for one of  gemb's cards its  likely that you can get another one, i got 2 in the same week.  i have 4 all together.  I love them, i pay in full every month and never had any problems with them,

 

Good luck to you


Starting Score: TU 608, Eq 618
Current Score: TU 797 Eq 792, Ex 805 (psecu)
Goal Score: 840 across the board


Take the FICO Fitness Challenge
Message 4 of 14
Established Contributor

Re: Wal-Mart Credit Card

Yes they are accepted at Sam's but you still have to have a membership there..if you use your card frequently and make your payments on time they are quite generous with their CLI's..

Starting Score: TU 686 EX 641 EQ 690
Current Score: TU 779 EX 767 EQ 740
Goal Score: 800 Club

BCE $12.5K, 5/3 Sig $10K, Wally Discover 10K, Cash+ $9K Sam's Discover 10K, Freedom $6K, Zales $5.5K, More $5K, Cap one $5K, Barclay 2.5K, Household Plat $1.5K, Household Gold $1.5K, Credit One $1K, First Premier Plat $.675K First Premier Gold $.65K
Message 5 of 14
Established Contributor

Re: Wal-Mart Credit Card

My gf has the discover version. The credit line started at 1000, it was then increased to 4000. She just requested another increase and shes at 8000 right now. Thats prime numbers to me... I think its because her american express was increased to 6k after her walmart got increased for the first time. I'm thinking walmart likes her and wants to be her top card. Each time she gets a credit line higher than the walmart card, walmart gives her a higher limit again.

__________________________
01/11/2011: FICO:TU: 746
12/14/2010: FICO:EQ: 744
08/12/2011: FICO:EXP: 766
Message 6 of 14
New Visitor

Re: Wal-Mart Credit Card

 
Message 7 of 14
Moderator Emerita

Re: Wal-Mart Credit Card

Hi kolomona & welcome to the myFICO forums!

 

I noticed you seem to be having some trouble posting. It's possible to edit your own post if you have posted an incomplete message. To edit your post, go to the post. To the right you'll see "Options." Click on "Options" and select "Edit Message" from the drop-down menu.  If you need any help with anything, let us know.  Thanks for your contribution to the FICO Forums!

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"However gradual may be the growth of confidence, that of credit requires still more time to arrive at maturity” ~ Benjamin Disraeli

Message 8 of 14
New Contributor

Re: Wal-Mart Credit Card

Out of curiousity how long are you waiting before requesting the CLI? with your 4th statement being cut does that mean you requested a CLI after just 4months? I thought suggested timeframe was 6/12 months?  I have a Walmart Store card and pay off in full every month. Was worth it to me for the FICO score alone.... Please let us know how that goes...

AmEx Platinum NPSL, AmEx Gold Delta 22K, AmEx Everyday 10K, Penfed Defender AmEx 5K, BankAmericard MC 14k, BoA Travel Rewards 18k, Penfed Thrifty Credit Service 500.00 Blispay Visa 7.5k,
NFCU Cash Rewards Visa - 22K, NFCU Plat MC - 22K
Penfed Gold Visa 19K, Lowes 35K, NFCU Visa 14K, NFCU MC 13K, NFCU NavChek LOC - 15K
Discover It 19K, WalMart 20K, Bank of Amer MC 10K, Citi Simplicity $8,800, BarclayCard Rewards MC 11K, AAFES Mil Star 8.1K, Citi Dia Pref Visa $9.7K, USAA Rate Adv MC 7K, , Chase Freedom 3.5K, Chase Amazon Visa 1.6k

724 Discover FICO Nov 14, 735 WalMart FICO Nov 14, Equifax Advantage Pull 740 Sept 2016
Message 9 of 14
Established Contributor

Re: Wal-Mart Credit Card

With GE you can request every 4 months
WM TransUnion- 650 (6/2014) Credit Sesame Experian- 691 (6/2014) Credit Karma TransUnion- 665 (6/2014)
Amex Zync/UNICORN- NPSL/Capital One Venture One Pro -$7,000/NFCU Cash Rewards- $7,500/NFCU NavChek- $5,000/SouthWest Airlines- $5,000/Capital One Quicksilver Platinum- $3,000/Wal-Mart Discover- $6,000/Bill Me Later- $2,200/JCP- $4,700/Discover IT- $500/Care Credit -$2,300/Old Navy Visa- $2,000/New York & Company - $1,000/Capital One -$800
GOALS: No new inqs until 10/30/14. Pay off debt consolidation loan in less than 1 year. Snowball debt payments.
Last HP: 3/5/14
Message 10 of 14