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Walmart CC?

Frequent Contributor

Re: Walmart CC?

Your all over util is low, but you are closed to maxed on that one card. I'd pay it down quite a bit before you apply... and I'd also pound away at that balance because May will sneak up on you faster than you think...and then interest would bounce back from the beginning of the charge... (been there, done that.)

Back in the garden!
App free since 23Oct2012 reset to 27Aug13 and reset again 4nov13
Message 11 of 15
New Contributor

Re: Walmart CC?

Oh I know!  LOL, I've started paying $300 on it every month, so it'll be paid off before then.  Smiley Happy If anything does happen, I get a bonus check in December as well. 

09/2013: TU FICO 692, EQ FICO 698, EX PLUS 709. No apps until December 2014!
Freedom: $1500 Cap1 Plat: $2000 Cap1 Cash: $1500 Barclays: $4000 Walmart: $2700 GE Luxury: $4800 Jared: $1500 Davids Bridal: $1500
Message 12 of 15
Frequent Contributor

Re: Walmart CC?

hard (read: expensive) lesson.  I'd also go ahead and pay off that 200 balance if you can...

Back in the garden!
App free since 23Oct2012 reset to 27Aug13 and reset again 4nov13
Message 13 of 15
Valued Contributor

Re: Walmart CC?

I went ahead and pulled the trigger health, got approved for $600.  Applied online, had to call in to answer the verification questions, got the decision as soon as those were answered.  Very pleased.

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
Message 14 of 15
Established Contributor

Re: Walmart CC?

They pull transunion almost exclusively. In Florida 95% will pull EQ and GE still pulls TU here.

total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 15 of 15