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Walmart Aprroval - In Store

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Anonymous
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Walmart Aprroval - In Store

I was just approved (4/24) "In-Store" for the Walmart card, wanted the Walmart Discover card but oh well, I'm glad that I will be getting the free monthly TU scores.  I had to show my drivers license and a major credit card (showed my Kays Card). Approved for $300, wasn't too surprised after reading some of the initial limits they assigned but my EQ is the lowest so hopefully the card will grow every 4 mos. I also have a Old Navy card with GE since 6/10, stuck @ initial $300 limit, although I always PIF and let statement report $0, not sure if my small affiliation helped with approval for Walmart or not.

 

**Walmart did a HP on EQ**, and after EQ reported inq, my score dipped 13pts from 611 to 598?? (ouch) then after EQ reported Walmart new TL I thought that I would at least get a few pts back from EQ but none so far.** Only inq I had on my EQ at the time I applied was one, a HP from NFCU the day prior when I opened up an acct there.

 

Recent Approvals & HPs

3/22, Kays Card auto CLI from $4400 >>>$7100

4/23 NFCU - HP on EQ to open acct,

4/24 NFCU - HP on TU for cash rewards CC - $3k

4/24 Walmart - HP on EQ, $300

 

5/1/12 Scores

EQ fico 598, 2 inq (4/12 Walmart, NFCU open acct)

TU fico 672, 2 inq (3/12 opened Citizens bank acct w/DD and 4/12 NFCU CC)

 

 

 

Message 1 of 12
11 REPLIES 11
Anonymous
Not applicable

Re: Walmart Aprroval - In Store

Congrats on your WalMart approval!

Quick question?... WalMart/ GE pulled Equifax? I was under the impression that they pulled Experian.
Message 2 of 12
kjm79
Valued Contributor

Re: Walmart Aprroval - In Store


@Anonymous wrote:
Congrats on your WalMart approval!

Quick question?... WalMart/ GE pulled Equifax? I was under the impression that they pulled Experian.

Nope.  Typically it's EQ, on occasion TU. 


CH 7 Filed 7/27/15 Discharged 11/16/15
Starting Score: EQ 620 TU 568 EX 593
Current Score (07/13/16): EQ 674 TU 649 EX 674 (FICO's 08)
Cap1 QS ($5350) (Combined QS and QS1) Discover It ($4100) MilStar ($8,600) Fingerhut ($800)
Off to the garden 05/01/16
Message 3 of 12
Anonymous
Not applicable

Re: Walmart Aprroval - In Store

Thanks kjm79
Message 4 of 12
crunching_numbers
Valued Contributor

Re: Walmart Aprroval - In Store

Congrats on the Walmart card. With time they might upgrade you to Discover. Gotta love the free FICO score too.


Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: FICO 8 = 844(9/15) EQ, 827 TU, 811 EX (7/15); mortgage FICO= 758 (9/15)EQ5, 797 TU4, 748 EX2 (7/15)
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (24.8K), BofA Travel Rew Sig (22.5K), B&N World MC (22.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (20K),United Mil+ExpSig (16.3K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig (8.6K), Disc It (16.4K), Citi Dia Pref MC (3.7K),Sam's MC (10K), Wally (7.5K), JCP(5.3K), Costco (2K)
Message 5 of 12
Anonymous
Not applicable

Re: Walmart Aprroval - In Store

In Pittsburgh, PA Walmart pulled my EQ. Not sure if they ever pulled EX, most posts on here say they usually pull EQ.

Message 6 of 12
Anonymous
Not applicable

Re: Walmart Aprroval - In Store

Crunching-numbrers, yeah I'll definitely take the 2nd place Walmart card and the free TU scores; can't beat it! Maybe by December, they will show me the luv for the upgrade offer.

Message 7 of 12
JusdoNit
Established Contributor

Re: Walmart Aprroval - In Store

Nice


Starting Score: 722
Current Score: Now 687 what the hockey sticks...from a 784 (Aug 12 EX 751 EQ Fico)
Goal Score: 800

If your outGo is more than your INcome than your UpKeep will become your downFALL.

Take the FICO Fitness Challenge


Message 8 of 12
Anonymous
Not applicable

Re: Walmart Aprroval - In Store


@kjm79 wrote:

@Anonymous wrote:
Congrats on your WalMart approval!

Quick question?... WalMart/ GE pulled Equifax? I was under the impression that they pulled Experian.

Nope.  Typically it's EQ, on occasion TU. 


I thought it was the other way around. GE has only pulled TU for me.
Message 9 of 12
NikJ4
Established Contributor

Re: Walmart Aprroval - In Store


@Anonymous wrote:

@kjm79 wrote:

@Anonymous wrote:
Congrats on your WalMart approval!

Quick question?... WalMart/ GE pulled Equifax? I was under the impression that they pulled Experian.

Nope.  Typically it's EQ, on occasion TU. 


I thought it was the other way around. GE has only pulled TU for me.

I am in Texas and they pull strictly TU for me also....

Message 10 of 12
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