"Approved"
Walmart® Credit Card Review
Written by: wildrage3 on 2010-07-31
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
wildrage3's review: 
I found a great laptop deal, and applied for a Wal-Mart credit card during the checkout process.
I think that it was interesting that I was approved for $900 and my laptop came out to 897.50. I wonder if they take your total order into consideration when you're applying, or this was just a coincidence? Regardless, I'm going to make a monster payment as soon as it posts to my account so my utilization isn't bad.
I had applied for some GE Bank cards in the past and was always denied, even though I have 2 Capital Ones, a Barclay's and Hooters. I had a charge-off with them 5 years ago, and finally just paid it about 90 days ago (it wasn't a lot of money, and was going into judgment if I didn't). I'm almost thinking that they took that into consideration when they made their decision.
My scores are all in the mid to upper 600's, but my utilization is high right now.
I started rebuilding like 2 years ago. No lates in past 2 years, and maybe 2 or 3 inquired in the past 18 months.
I found a great laptop deal, and applied for a Wal-Mart credit card during the checkout process.I think that it was interesting that I was approved for $900 and my laptop came out to 897.50. I wonder if they take your total order into consideration when you're applying, or this was just a coincidence? Regardless, I'm going to make a monster payment as soon as it posts to my account so my utilization isn't bad.
I had applied for some GE Bank cards in the past and was always denied, even though I have 2 Capital Ones, a Barclay's and Hooters. I had a charge-off with them 5 years ago, and finally just paid it about 90 days ago (it wasn't a lot of money, and was going into judgment if I didn't). I'm almost thinking that they took that into consideration when they made their decision.
My scores are all in the mid to upper 600's, but my utilization is high right now.
I started rebuilding like 2 years ago. No lates in past 2 years, and maybe 2 or 3 inquired in the past 18 months.
2 Comments
Comment 1 by wanderer
Re: Approved 
on 2010-07-31
Congrats! This is awesome. GE Money Bank/Walmart actually issued a real credit line! You are doing well on your rebuilding. Remember, keep the utilization under 30% with not to many inquiries and you will be in the 700s before you know it.
on 2010-07-31 Congrats! This is awesome. GE Money Bank/Walmart actually issued a real credit line! You are doing well on your rebuilding. Remember, keep the utilization under 30% with not to many inquiries and you will be in the 700s before you know it.
Comment 2 by eric330
Re: Approved on 2010-08-26
Good Deal! When I worked at GEMB I was approved for a Walmart Card... Started at $300 and when I closed the account, I was up to $900 CL... The credit line increases come pretty quick after 6 months of using and paying off the card... Every 3 months, I would click the CLI and they would give me $150 or $200.
on 2010-08-26 Good Deal! When I worked at GEMB I was approved for a Walmart Card... Started at $300 and when I closed the account, I was up to $900 CL... The credit line increases come pretty quick after 6 months of using and paying off the card... Every 3 months, I would click the CLI and they would give me $150 or $200.
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Disclaimer: This content is not provided by Synchrony Bank. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Synchrony Bank. Review content is powered by Finance Globe.
