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Walmart with Capital One pulls?

ImTheDevil
Community Leader
Super Contributor

Re: Walmart with Capital One pulls?

Wonder if they’ll change the process for the Kohl’s card too then.


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Message 11 of 93
AverageJoesCredit
Community Leader
Mega Contributor

Re: Walmart with Capital One pulls?

3 pulls for a store card? LolwutSmiley Sad
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Message 12 of 93
ImTheDevil
Community Leader
Super Contributor

Re: Walmart with Capital One pulls?

Yeah and for one that sees many start with $100-300 SLs too. Completely ridiculous.


Platinum NPSL | Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | FNBO Prime Visa | PenFed PCR | Navy cashRewards | Navy Platinum | Apple | IT Cash | IT Chrome | GHSFCU Visa Plat | Quicksilver | Target | VS | Home Depot | Lowes | Sams MC | Firestone | Overstock | Kohl’s | Key Bank auto loan (2017 Audi A6 Premium Plus S-Line)





Message 13 of 93
Brian_Earl_Spilner
Community Leader
Mega Contributor

Re: Walmart with Capital One pulls?

The capital One MasterCard is listed on their website as needing excellent credit to get.




Message 14 of 93
Brian_Earl_Spilner
Community Leader
Mega Contributor

Re: Walmart with Capital One pulls?

That would explain the triple pull




Message 15 of 93
spiritcraft1
Valued Contributor

Re: Walmart with Capital One pulls?


@ImTheDevil wrote:
Yeah and for one that sees many start with $100-300 SLs too. Completely ridiculous.

Smells like predatory lending.


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Message 16 of 93
CreditCuriosity
Moderator

Re: Walmart with Capital One pulls?

Sounds like Cap1 didnt study walmarts target audience very well. Sure alot have excellent credit, but alot of them don't either.  The triple pull is kinda laughable and excellent credit needed is as well.  Me bets Walmart which they had Sync back if approvals for this card goes way down.  Be interesting to watch this play out.  I personally despire walmart and would never go in their stores, but alot of people love them.  

Message 17 of 93
Saeren
Mega Contributor

Re: Walmart with Capital One pulls?


@CreditCuriosity wrote:

Sounds like Cap1 didnt study walmarts target audience very well. Sure alot have excellent credit, but alot of them don't either.  The triple pull is kinda laughable and excellent credit needed is as well.  Me bets Walmart which they had Sync back if approvals for this card goes way down.  Be interesting to watch this play out.  I personally despire walmart and would never go in their stores, but alot of people love them.  


Walmart isn't going to care. Their issue with Sync was how many MasterCards were being issued. Capital One won't issue anywhere near as many MasterCards so Walmart will make more money on the store cards which is exactly what they wanted. 

Capital One loves their verification so it's highly likely that a lot of 7-10 will be just that. 





Message 18 of 93
CreditCuriosity
Moderator

Re: Walmart with Capital One pulls?


@Saeren wrote:

@CreditCuriosity wrote:

Sounds like Cap1 didnt study walmarts target audience very well. Sure alot have excellent credit, but alot of them don't either.  The triple pull is kinda laughable and excellent credit needed is as well.  Me bets Walmart which they had Sync back if approvals for this card goes way down.  Be interesting to watch this play out.  I personally despire walmart and would never go in their stores, but alot of people love them.  


Walmart isn't going to care. Their issue with Sync was how many MasterCards were being issued. Capital One won't issue anywhere near as many MasterCards so Walmart will make more money on the store cards which is exactly what they wanted. 

Capital One loves their verification so it's highly likely that a lot of 7-10 will be just that. 


I guess I can agree what cap1 agrees as excellent credit vs. say Citi/BofA/ETC are two VERY different things.  Such as venture/QS/Savor all can be had at 650's if one doesnt have alot of new credit.

 

Still a triple pull for this card for this forum is crazy.. The general public might not care near as much

Message 19 of 93
Saeren
Mega Contributor

Re: Walmart with Capital One pulls?


@CreditCuriosity wrote:

@Saeren wrote:

@CreditCuriosity wrote:

Sounds like Cap1 didnt study walmarts target audience very well. Sure alot have excellent credit, but alot of them don't either.  The triple pull is kinda laughable and excellent credit needed is as well.  Me bets Walmart which they had Sync back if approvals for this card goes way down.  Be interesting to watch this play out.  I personally despire walmart and would never go in their stores, but alot of people love them.  


Walmart isn't going to care. Their issue with Sync was how many MasterCards were being issued. Capital One won't issue anywhere near as many MasterCards so Walmart will make more money on the store cards which is exactly what they wanted. 

Capital One loves their verification so it's highly likely that a lot of 7-10 will be just that. 


I guess I can agree what cap1 agrees as excellent credit vs. say Citi/BofA/ETC are to very different things.  Such as venture/QS/Savor all can be had at 650's if one doesnt have alot of new credit.


I am interested to see how the criteria shakes out for the MC. They both have a minimum SL of $300 so you would think the criteria will be less strict than their One line which have $1K minimums (not including QS One). 





Message 20 of 93
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