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Walmart..What To Do?

Valued Contributor

Re: Walmart..What To Do?

I got a Walmart Store Card last June with a $1200 SL. It's OK if you shop regularly at Walmart - I do - but be careful not to carry too large a balance on it (assuming you can't PIF for some reason) due to the high APR previously mentioned. I find it annoying that you only get 1% rewards for shopping in the brick-and-mortar stores as opposed to 3% for shopping online (though there are promos offered every so often for earning 3% in-store). It took me nine months to get a CLI on this card, when I finally got it boosted to $4000. Note that depending on a number of factors, you may be offered the option some time after getting the store card to upgrade it to a Mastercard.

Ch 7 BK discharged 11/28/14, credit rebuild well advanced. FICO:TU 680 FICO 8 (3/2/19) or 687 FICO 9/EX 694 FICO 8/EQ 685 FICO 8 or 674 FICO 9 (NFCU 3/3/19), VS 3.0 10/17/18: TU 702/EX 699/EQ 698. $92.9k revolving credit as of 1/31/19; $1K NFCU cashRewards Visa, $2K BJ's Perks MC, $5.1k Discover It #1, $6.5k Discover It #2 (new 3/12/18), $3.5k Petal Visa, $6k Paypal 2% CB MC, $6k Amazon Prime Store Card, $6k Walmart Store Card, $7k Apple FCU Platinum Visa, $7k Penfed Power Cash Rewards Visa, $11.8k Overstock Store Card, $15K Care Credit, $16K Cap One QS Rewards Visa Signature, $10k PenFed used car loan, $5k Navient student loan, $12.7k Lending Club loan. Gardening: 3 months, 19 days as of 1/31/19. 24 HP inqs total as of 10/12/18: 10 TU, 9 EQ, 5 EX (about half over 1 year old).
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Re: Walmart..What To Do?

Thanks Joe8185. I applied for the Amazon card either day but was denied and it is also with synchrony bank I think. So I will have to just wait it out and start gardening
FICO 8 Scores: Exp 603, Equifax 597, Trans 574 as of 6/7/2018. 6/8/2019

FICO 8. EXP 661, EQ 664, TU 640. In the Garden Starting 09/26/2019
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