"Approved Online"
Walmart® Credit Card Review
Written by: dammenion on 2011-05-11
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dammenion's review: 
I applied online May 1st. Instantly approved for $900 CL. I was shocked and surprised.
22.90% but at least no AF. I'll be using this at Sam's Club and Wal-mart. This is one of my first unsecured CC's. I have a wal-mart down the street so it will come in very handy.
I'll probably never carry a balance on this card due to the APR but anytime I buy from wal-mart or Sam's I'll use this instead of debit.
I applied online May 1st. Instantly approved for $900 CL. I was shocked and surprised.22.90% but at least no AF. I'll be using this at Sam's Club and Wal-mart. This is one of my first unsecured CC's. I have a wal-mart down the street so it will come in very handy.
I'll probably never carry a balance on this card due to the APR but anytime I buy from wal-mart or Sam's I'll use this instead of debit.
8 Comments
Comment 1 by credit28
Re: Approved Online 
on 2011-05-11
Congrats!!!! on your approval. It's a start.
on 2011-05-11 Congrats!!!! on your approval. It's a start.
Comment 2 by wanderer
Re: Approved Online on 2011-05-12
Congrats! Great CL. Walmart like most department stores is conservative to start and aprs are (usually around 24.9 to 26.9%) high (normal).
on 2011-05-12 Congrats! Great CL. Walmart like most department stores is conservative to start and aprs are (usually around 24.9 to 26.9%) high (normal).
Comment 3 by derek1061
Re: Approved Online on 2011-05-12
You got a fairly high credit limit for ge money usually they will only give you $300 or $500. I recently got approved too with a credit limit of $500. Congratulations
on 2011-05-12 You got a fairly high credit limit for ge money usually they will only give you $300 or $500. I recently got approved too with a credit limit of $500. Congratulations
Comment 4 by colonative
Re: Approved Online on 2011-05-12
Congrats on your approval. Just be sure to use the card regularly to avoid GEMB's notorious credit line decreases to credit lines of $124.
on 2011-05-12 Congrats on your approval. Just be sure to use the card regularly to avoid GEMB's notorious credit line decreases to credit lines of $124.
Comment 5 by dammenion
Re: Approved Online on 2011-05-12
Thanks for the advice.
I just used my card today for a $33 purchase. I also have a Amazon CC account which of course is the same bank. I bought $45 on that this month, also a new account. Does it have to be just used regular or have to buy a certain percent of you limit to keep it up?
on 2011-05-12 Thanks for the advice.I just used my card today for a $33 purchase. I also have a Amazon CC account which of course is the same bank. I bought $45 on that this month, also a new account. Does it have to be just used regular or have to buy a certain percent of you limit to keep it up?
Comment 6 by cfmdev49
Re: Approved Online on 2011-05-12
I had to laugh when I saw colonative's comment about GEMB's infamous $124 credit limit...I have a Sam's club regular cc and a Sam's Discover...well...after I got the Discover I stopped using the old card...it had a $1500.00 limit and the Discover has a $4300.00 limit...after 2 years of non use...they reduced my limit on the regular card to $124.00! I contacted them and they said it was because of non-use...wish they woulda just closed it...just another account that I don't use but I have to check from time to time...just an fyi...
on 2011-05-12 I had to laugh when I saw colonative's comment about GEMB's infamous $124 credit limit...I have a Sam's club regular cc and a Sam's Discover...well...after I got the Discover I stopped using the old card...it had a $1500.00 limit and the Discover has a $4300.00 limit...after 2 years of non use...they reduced my limit on the regular card to $124.00! I contacted them and they said it was because of non-use...wish they woulda just closed it...just another account that I don't use but I have to check from time to time...just an fyi...
Comment 7 by colonative
Re: Approved Online on 2011-05-14
I believe you just need to make regular purchases no matter the dollar amount. What I call "mercy-purchases." It is basically in a sense using a card on a rotating basis with a small charge just to keep the account active.
GEMB is seriously notorious for doing this. I wouldn't let any GEMB card go more than 4 months without a transaction just in case.
on 2011-05-14 I believe you just need to make regular purchases no matter the dollar amount. What I call "mercy-purchases." It is basically in a sense using a card on a rotating basis with a small charge just to keep the account active.GEMB is seriously notorious for doing this. I wouldn't let any GEMB card go more than 4 months without a transaction just in case.
Comment 8 by disnugaswagg
Re: Approved Online on 2011-05-16
I also got approved for a credit line of $800.00 (May 6,2011). So thanks in advance for all of the suggestions. I will definitely make sure that I make monthly transactions to avoid the credit decreases.
on 2011-05-16 I also got approved for a credit line of $800.00 (May 6,2011). So thanks in advance for all of the suggestions. I will definitely make sure that I make monthly transactions to avoid the credit decreases.
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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.
