@Anonymous wrote:
Did they at least offer you a free soda when you apply for their card? If not, forget it and don't even bother.
lol... I remember that thread. Free soda with app.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
@ways2go wrote:If you shop at Walmart regularly, it is a useful card. Use the card regularly , PIF monthly it can graduate to the MC. It was one of my first cards in rebuilding. I was approved initially with a 1200 cl. it graduated to the discover within 6 months. It also got cli's regularly. It now sits with a 6400 cl. I wouldn't discount it.
So then it is possible to PC to MC huh? I wouldn't mind doing that!!!
Depending on what you need and where you shop. Handy for Christmas shopping with 0% offers and if you live near a Murphys gas station they give discounts on fuel when you use it (5-10c if I remember correctly). Depending on other cards you have it could benefit you. CL grows nicely with SPs. And TU Fico is nice updated monthly (better than Barclaycard).
I have one I use on occasion to keep active primarily for the fico.
I have one I use on occasion to keep active primarily for the fico.
Will upgrade eventually to MC BUT it will report as a new account so not a typical PC only thing you save is the HP.
Well. im not gonna bash em. as i have a wally and i luved it at first. but i found out they are stingy to some. and im one of them. last cli 150 dollars. what the hell. had it a year and can't get increase for anything. i don't need it. but it was great for the fico. since i have a little time under it. im keeping it. but i will dust if off every 6 months.go buy a pack of gum. get 60 cash out and then pay it off the next day. just want to see how high can it go. then cancel time. currently at a whopping 1450 cl. 
Try credit solutions or chat? Love button always sucks for me too. But chat has worked out well.
I don't list my few store cards in my signature, but I do enjoy having the Walmart MasterCard. It's one of the few useful retail cards along with Sam's Club. I got approved for the Walmart Discover for $700 a few years back, and it grew to $7500 a year later. I'm sure I could have it at like 20k by now if I felt like calling Synchrony. The FICO score and the deferred interest are the biggest perks of the card. If your offer is just for the store card, I'd pass though. It's not as much fun as the MasterCard. I hate in-store only cards.
