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This is disappointing. I was hoping to apply for this card in June.
Oh, my income is good I think - I have a fulltime and a partime job and my annual income is $75,000
I thought so too, so now I am crushed.. near tears over a Walmart card... ugh. Well thanks for the vote of confidence, I guess I can call again Monday, or wait for the letter and see what they say the problem is - and then maybe try to apply in store next time.
TU MyFICO 694 4/20/13
EX PSECU FICO 693 4/8/13
EQ My FICO 681 4/19/13
Is it possible the CSR I called would not know if it was a verification issue? I called right away - after I got that message and she just said - denied - nothing you can do but work on your credit.. I'm thinking there is nothing left for me to work on - aside from maybe getting the paid CO and collection deleted if possible and CLI and a few more cards..that's why I want the Walmart card....ugh. Well, next time for sure I will apply in store. How long did you wait before applying again?
@kdcka1 wrote:I thought so too, so now I am crushed.. near tears over a Walmart card... ugh. Well thanks for the vote of confidence, I guess I can call again Monday, or wait for the letter and see what they say the problem is - and then maybe try to apply in store next time.
TU MyFICO 694 4/20/13
EX PSECU FICO 693 4/8/13
EQ My FICO 681 4/19/13
With scores like you have, your dedication to improvement, and your income, please do not sweat the Walmart card. Try something else or just hang out in the garden for a lil while and when your EQ score tops 700 try again.
Gardening...
@kdcka1 wrote:Is it possible the CSR I called would not know if it was a verification issue? I called right away - after I got that message and she just said - denied - nothing you can do but work on your credit.. I'm thinking there is nothing left for me to work on - aside from maybe getting the paid CO and collection deleted if possible and CLI and a few more cards..that's why I want the Walmart card....ugh. Well, next time for sure I will apply in store. How long did you wait before applying again?
I was denied in January and approved in March. My TU was 653 when I got the card, but it was already reporting so my score was probably slightly higher at the time of approval.
Looks, like you have quite a few more cards than I do. I only have one with a low limit. Maybe that is the problem. Perhaps, I should go for the CLI on that card. Does anyone have a suggestion on a different card I should try if the letter says I have too few accounts? I will probably call and talk to a loan officer at PSECU next month if I can get those old negatives deleted. Thanks for the information - very helpful.
Ok, I will try PSECU next month, try the CLI on my current card and then off to the garden!
You could try the shopping cart trick. That's how I got my VS and Express cards. They weren't reporting when I was approved for Walmart, just my 2 CapOne cards.
What is the shopping cart trick?