You get a HP for applying. They will most likely pull TU. Also, anecdotal evidence suggests that you have a better chance of approval and a better initial CL if you apply in-store, and more specifically, at the registers in the electronics or jewelry departments.
@Leadberry wrote:You get a HP for applying. They will most likely pull TU. Also, anecdotal evidence suggests that you have a better chance of approval and a better initial CL if you apply in-store, and more specifically, at the registers in the electronics or jewelry departments.
+1
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
I went to the website to apply late last year. I was logged in and when I went to the apply for the walmart credit card screen it told me I was pre-approved for the walmart card with a CL of $700. It was not a full app, just asked for my full social, dob and address. Nothing about income or anything else.
After applying I had to call in and answer a few security questions and she told me I was approved for the store card with a $700 CL. No HP ever showed up. I am very happy, but I am sure it is a rare experience.
Starting Score: EQ 717 EX 724 TU 736
@JM-AM wrote:Walmart is a YMMV
If you apply for the card it usually consist of a hard pull.
If you are selected for a pre approval while signed in on their site or during check out it results in a soft pull only.
I tried the shopping card trick and it didn't work so I guess I'm not pre-approval material... yet! 