Walmart® Credit Card Review
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Written by: baystate on 2008-04-12

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baystate's review: Applied on-line and got immediate approval for $700 credit line. EQ 671, EX 670, TU 623. I heard rumors that this card had a low approval rate, but figured I'd try because I shop at Wal-Mart often because of their prices. GE Money usually pulls EQ.


Comment 1 by lyyssa01
Congratulations!! on 2008-04-12

I don't know about the approval rate, but a $700 cl from Wal-Mart is considered high. Most people have $2-300 cl.
Comment 2 by rivasglo
;) on 2008-04-12

I wish I woulda of gotten that high of a CL w. Them... When I applied it was only $125!!! 3 months later... Only $75 CLI making it $200 this is my lowest card and it sucks because I really cant take advantage of those $299+ no interest or whatever offers.
Comment 3 by meya
You Are The First on 2008-04-12

There approvals (I agree with the others) are very low. I think mines was $400 and the first cli was only $75, they have not thoguht about giving me another one since... Lol. Congrats on your approval and your limit.
Comment 4 by rockin35
I Thought $800 Was Crummy!!! on 2008-04-13


Hey Lyyssa01, I actually didn't know that about Walmart. Last year they sent me a pre-approval in the mail. I filled out the form and got the card in 2 weeks with a $800 credit line. I was sick!! I looked at that smiley face and almost through it across the room but I decided to keep it because like everyone else, I show at Walmart on a monthly basis. I actually thought that my limit was very low, I didn't realize that Wal-Mart generally begin with CL in the lower 200's. I learn something new everyday. Rockin35
Comment 5 by rockin35
Excuse The Typo on 2008-04-13

Sorry, excuse the typo above. I meant to say "I SHOP" at Walmart like everyone else and decided to keep the card with the $800 CL. Rockin35
Comment 6 by lyyssa01
Rockin35 on 2008-04-13

When I first got my WalMart cc it was a 2-300 limit, can't remember which. I kept it for several years, and the highest I got was around $700. Earlier this year when DH and I put several credit cards on the chopping block I called Wal-Mart and asked for a cli. No only did the csr say no can do, she also said that at $700 my cl was actually pretty high, and that most people have $2-300. I have heard of people having or gaining higher cl, but it's very few and far between.

Either which way, we ended up axing poor WalMart.

I think on the WalMart Discover they're more generous.
Comment 7 by ash
Re: on 2008-04-13

One person posted that they started out with a $200 credit

limit. Used it every month and paid triple the minimum

payment. Then she hit the love button every month

and each time they gave her increases by $100. She got her limit up to $1500 that way. I was waiting for the auto CLI too because I recently hit my third or fourth statement and I thought you had to wait for them.

I tried it and they gave $100 which makes it $500 now. I am going to do the same thing next month and see what happens. And by the way they tell you right online if you want it your limit up dates and available credit within seconds. I wish target was that easy (LOL!)
Comment 8 by casey
My Limit Is Decent on 2008-04-14

I hope I don't cause a riot... But my Wal-Mart card has a limit $1125. It grows SLOWLY, $100 every four months. I started at $600. They will give a small increase every 4 months, provided there is activity and good payments... So far that has been true for me...
Comment 9 by dmelloj2010
Re: Approved on 2012-05-07

I got instant approved for $400. After 3 months, just checked went up to $600. This was my first credit card.
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