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My bad. I did not read your last sentence, which answers my own question.
I was approved for a $300 Walmart store card when my scores were ~615. So you can get in with them in the low 600s. It took 7 statements for my first CLI with Wally.
Well guys....
I bit the bullet and applied anyways!
I was approved
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$400 limit and I requested a cli but I was denied.
I have 2 charge offs, 1 late payment ( by mistake), and 2 collections.
I am heading to the garden now!! Thanks for the advice everyone!!