Walmart- apply in store or online?

[Shellie]

What does everyone recommend?

[myjourney]

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@Shellie wrote:

What does everyone recommend?

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IMHO it doesn't matter because you can always call for a limit increase after a approval

[Shellie]

I have gotten so much conflicting info on asking for CLI I don't know what to do!  Some say wait 6 mo, some say wait a year, some say 61st day, some say right away.  I am completely lost on that!  I don't even know who to call and how to ask.

[Shellie]

My score right now is only 591 from myFICO. (which ever one you get when you start, I haven't paid for the others)

[09Lexie]

IMO, your score is too low for WalMart. I'd wait until your TU score is closer to 620. Also, with GE you can request a sp CLI after the 4th statement.

[Shellie]

I got an Old Navy card with a 584 with a $300 limit last month.  Aren't they backed by the same bank?

[myjourney]

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@Shellie wrote:

I have gotten so much conflicting info on asking for CLI I don't know what to do!  Some say wait 6 mo, some say wait a year, some say 61st day, some say right away.  I am completely lost on that!  I don't even know who to call and how to ask.

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You can ask for a CLI almost anytime on GE cards with  the exception of a few 

If just approved some have asked for a CLI immediately 

If you already have a card you can ask every 4 months 

[Shellie]

Idk what my TU is unless you assume that the CK score is accurate and that is 604 I think.

[FinStar]

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@Shellie wrote:

I got an Old Navy card with a 584 with a $300 limit last month.  Aren't they backed by the same bank?

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They are backed by the same entity but each GECRB card program has different underwriting criteria for approval.  Keep in mind, score alone is not the only criteria.  If you don't want to waste a HP I would listen/take heed on Lexie's comment.

[09Lexie]

I wouldn't consider CK accurate at all. Is their a util issue that can raise your score or baddies ?