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Wal-MartŪ Credit CardQuick Summary:
This Store offer is issued by GE Money. This card is intended for consumers, or "personal use" with a fair credit history. APR's may vary among applicants, however the lowest standard APR is 22.90%* Variable*.Important Rates:
The lowest available APR is variable, meaning that the rate can change as U.S. prime rates fluctuate. You can find out how to compute your APR in the programs terms and conditions. For example, you may be instructed to add 16.90% to the U.S. prime rate.
There is no annual fee for this card.* Rewards:
This is not a rewards card. Although the APR is 22.90%* Variable* and there are no rewards, you may want to consider that this card does not* have a annual fee. Credit Record Needed:
Based on the FICO score recommendation, applicants should have a recently clean credit record, with no recent negative marks on their report. However the card issuer may expect limited discrepancies. A FICO credit score of 628 is recommended for a higher chance of approval, but it is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. Other Basics:
The grace period listed for the Wal-MartŪ Credit Card is at least 23 days*. So interest charges will not be applied during those days. This is a store or catalog card, not a traditional credit card. Acceptance of this card is normally bound to a specific store or catalog. Approval Rate:
There were 44 people that reported their status to us after they applied. They provided us with helpful qualification information, including their credit scores, the rates offered to them, household income and more. 77% of those applicants were approved.
The approval rate for this card is average. Furthermore, if your FICO score is close to or higher than 628, then your chance of approval may be even greater. Approval Time:
Great news for applicants that do not want to wait on a application status. This card offer may give instant approval decisions. Remember, this may not be true in all cases, where application information may not be complete, questionable or for other reasons. When applying on-line, the system will normally show your approval status shortly after submitting your application. Credit cards normally take 1 or 2 weeks to arrive after your application is approved. Offer Details:
- Up to $100 cash advance when you make a purchase*
- Save 3 cents per gallon at participating Wal-Mart gas stations*
- No annual fee
- $0 fraud liability
* Please see the credit card application for details about terms and conditions.
Reasonable efforts are made to maintain accurate information. However all credit
card information is presented without warranty.
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Consumer Card Rate Comparison
| APR | 22.90%* Variable* | | Avg. APR | 14%** | | Annual Fee | $0* | | Avg. Annual Fee | $11.63** | |
** APR average does not include cards where APR is 0%, unless viewing offers in the secured card category. "Annual fee
average" contains the average of all fees in a specific category (Consumer cards), even where the fee is $0. This data is subject to Finance Globe's
terms and conditions.
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