Walmart: Pre-Approved... Should I do it?

[Anonymous]

Ok so I wanted to buy something on walmart.com and I noticed that I was pre-approved for the walmart card. I am not sure if I should apply though. I just got the cards I wanted (Freedom and Amex Cards).

But here is the kicker. I have Barclay's Rewards card which is supposed to give me the Free FICO TU08 score. But it doesn't update regularly. From what I heard, Walmart does it each and every month - like clockwork.

Is getting another card just for the regular updates on the FICO TU08 worth it? Here is the screenshot.

Thanks for your input.

[Anonymous]

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@Anonymous wrote:

Ok so I wanted to buy something on walmart.com and I noticed that I was pre-approved for the walmart card. I am not sure if I should apply though. I just got the cards I wanted (Freedom and Amex Cards).

But here is the kicker. I have Barclay's Rewards card which is supposed to give me the Free FICO TU08 score. But it doesn't update regularly. From what I heard, Walmart does it each and every month - like clockwork.

Is getting another card just for the regular updates on the FICO TU08 worth it? Here is the screenshot.

Thanks for your input.

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I wouldn't just for the TU.  Don't get me wrong, I started off with the store, then got the upgrade to Discover but it's a card I have to remember to use.  

[Anonymous]

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@Anonymous wrote:

I wouldn't just for the TU.  Don't get me wrong, I started off with the store, then got the upgrade to Discover but it's a card I have to remember to use.  

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 Hi Lexie..

I really don't need the card, honestly. I just like the benefit of getting a regular update on my TU08. And for once in say 4 months that I would shop at Walmart, maybe I don't really need it. But then, there is that gas discount too. LOL. WoW.. decisions, decisions.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

I wouldn't just for the TU.  Don't get me wrong, I started off with the store, then got the upgrade to Discover but it's a card I have to remember to use.  

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 Hi Lexie..

I really don't need the card, honestly. I just like the benefit of getting a regular update on my TU08. And for once in say 4 months that I would shop at Walmart, maybe I don't really need it. But then, there is that gas discount too. LOL. WoW.. decisions, decisions.

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Totally understand.  I don't have WalMart Gas Stations in my state, only Sams Club. 

[MACFRME]

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@Anonymous wrote:

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@Anonymous wrote:

Ok so I wanted to buy something on walmart.com and I noticed that I was pre-approved for the walmart card. I am not sure if I should apply though. I just got the cards I wanted (Freedom and Amex Cards).

But here is the kicker. I have Barclay's Rewards card which is supposed to give me the Free FICO TU08 score. But it doesn't update regularly. From what I heard, Walmart does it each and every month - like clockwork.

Is getting another card just for the regular updates on the FICO TU08 worth it? Here is the screenshot.

Thanks for your input.

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I wouldn't just for the TU.  Don't get me wrong, I started off with the store, then got the upgrade to Discover but it's a card I have to remember to use.  

+1! I just closed mine when I found out the rewards would not be the same as the Sam's Mastercard. That rendered this card practically useless to me, except for the free FICO.

[Anonymous]

To heck with it, I am staying in the garden. God knows i need to. LOL.

[SunriseEarth]

You really should only get it if you have a good use for it.  I do enjoy the monthly FICO and the "cash over" feature.  I haven't used the special financing option yet, but that also makes it a good card to have.  However, if those things don't appeal to you, then save the HP.  

[Anonymous]

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@SunriseEarth wrote:

You really should only get it if you have a good use for it.  I do enjoy the monthly FICO and the "cash over" feature.  I haven't used the special financing option yet, but that also makes it a good card to have.  However, if those things don't appeal to you, then save the HP.  

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I could always use a card which gives me a free FICO score, plus 15 cents per gallon discount in gas. But honestly, with about 10-12 gallons every two weeks (I would save $1.50-$1.75), really not much of an incentive.

With that said, I was really "itchy". I feel better now. Not doing it, at least not for a while.

[CreditUnionFan]

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@Anonymous wrote:

Ok so I wanted to buy something on walmart.com and I noticed that I was pre-approved for the walmart card. I am not sure if I should apply though. I just got the cards I wanted (Freedom and Amex Cards).

But here is the kicker. I have Barclay's Rewards card which is supposed to give me the Free FICO TU08 score. But it doesn't update regularly. From what I heard, Walmart does it each and every month - like clockwork.

Is getting another card just for the regular updates on the FICO TU08 worth it? Here is the screenshot.

Thanks for your input.

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I'm disappointed with the rewards on the card, but the FICO score does appear like clockwork. The cash-over feature with the purchase is neat.

There's no annual fee, so while I have to remember to use it periodically, I doesn't really "hurt" to have it in my wallet. The gas discount isn't as good as the rebates I earn on other cards, so for me the real reasons are that there is the promotional financing of the larger purposes, and it demonstrates to other lenders that having a $10k credit line isn't going to burn a hole in my pocket.

[coldnmn]

The Mastercard will be 1% from dollar one unlike the Discover. My philosophy is only apply for cards I need for rewards etc not because I want them. You get to many cards you want may hurt the chances for the cards you need.