Why the 7-10 day message for WalMart? I'm sure it's a denial.

[kells2013]

Thank you for your interest in a Walmart Credit Card.

You will receive a decision by mail in the next 7–10 days. Please make a note of your application's reference number for your records: KC7TP9

I've been rebuilding my credit for a few years.  I'm pretty new to this forum so forgive me for not knowing the acronyms.  I have EQ FICO 646, TU 623, and EXP 661.  I've seen people with much lower scores get instant approval.  I'm pretty discouraged.  Any feedback is appreciated.

[Anonymous]

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@kells2013 wrote:

Thank you for your interest in a Walmart Credit Card.

You will receive a decision by mail in the next 7–10 days. Please make a note of your application's reference number for your records: KC7TP9

I've been rebuilding my credit for a few years.  I'm pretty new to this forum so forgive me for not knowing the acronyms.  I have EQ FICO 646, TU 623, and EXP 661.  I've seen people with much lower scores get instant approval.  I'm pretty discouraged.  Any feedback is appreciated.

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Call for recon. They could just want additional info. I got the same message for both of my Chase cards, I waited on the first one & was approved, and the 2nd time I called and after a manual review (which took a few minutes) I was approved. That message is not always the kiss of death.

[kells2013]

Thanks for responding so quickly.  I see a lot of people saying recon.  What does that mean and how do I do it?

[09Lexie]

You might just need to provide id verification. I had to do the same thing with Wal as did my DH.

Recon means asking for a reconsideration on a credit decision - usually overturning a denial. Be prepared to discuss your cr, why you want their cc, etc.

[Repo-ed]

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@kells2013 wrote:

Thanks for responding so quickly.  I see a lot of people saying recon.  What does that mean and how do I do it?

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Call this 1-877-294-7880 for an update on your application.

If they say it's been approved, you are good-to-go

If they deny you, then at that point, you ask them to reconsider their decision.  

At this point they MR (Manual Review) your application.

[kells2013]

Unfortunately, I have been denied.  I asked for a recon and they said once denied by the system, they can't override the application.  I just need to wait to receive my letter.  Not sure why when I've seen much lower scores get approved.  Very disappointing.  I have 5% utilization on my revolving accounts. Should I even try again at a later time?

[Repo-ed]

www.whogavemecredit.com

Check here to see what others are saying.

[Simply827]

Yes you should try again later. Perhaps when your TU reaches 650.

Once you get in, the card will grow quickly and you get a free monthly TU score.

[HYPASS33]

Any other factors on your report that could have hurt you?

[kells2013]

I have lates and collections that goodwills did not work to remove.  All are paid but I know it's not the same as being removed.  What could be hurting me is a credit card I had with Old Navy that is no longer reporting due to age.  I think it may be backed by GEMB.