"Shock Me Again Why Don't Ya"
Walmart® Credit Card Review
Written by: marym on 2008-04-14
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
marym's review: 
Figured I'd try for a walmart card since everyone was getting some luck with it. Got approved and OMG a $900 credit limit! I didn't think it went that high for that card. My scores were TU 665 EX 669 EQ 636
Figured I'd try for a walmart card since everyone was getting some luck with it. Got approved and OMG a $900 credit limit! I didn't think it went that high for that card. My scores were TU 665 EX 669 EQ 636
19 Comments
Comment 1 by meya
Way To Go 
on 2008-04-14
They wont even give me an increase that high. I only got a slimy $75 bucks. Let me go online and request one, maybe there is a glimps in their system. Way to go MaryM!
on 2008-04-14 They wont even give me an increase that high. I only got a slimy $75 bucks. Let me go online and request one, maybe there is a glimps in their system. Way to go MaryM!
Comment 2 by meya
I Was Correct on 2008-04-14
I went online and just got a $100 cli. To the Network I go... Lol!
on 2008-04-14 I went online and just got a $100 cli. To the Network I go... Lol!
Comment 3 by marym
Way To Go Meya! on 2008-04-14
I don't know what's up with GEMB but if you notice most people are starting to get larger credit lines with this card so keep pushing that love button.
on 2008-04-14 I don't know what's up with GEMB but if you notice most people are starting to get larger credit lines with this card so keep pushing that love button.
Comment 4 by lyyssa01
Congratulations!! on 2008-04-14
Of course they start being generous with them cl AFTER I cancel my card. :p
on 2008-04-14 Of course they start being generous with them cl AFTER I cancel my card. :p
Comment 6 by eldarwen
A Losy $75 on 2008-04-14
Meya, how could they just give you a $75 credit limit?
on 2008-04-14 Meya, how could they just give you a $75 credit limit?
Comment 7 by meya
Easy on 2008-04-14
They only increased that by $25 last night... Lol. I guess my cli's are increased by $25 more th an the last one hehehe. Its all good though, I have not been there in a minute and I need to put some type of charge on it before I get the boot. I am probably going to go and get the kids some new sheet sets for their beds.
on 2008-04-14 They only increased that by $25 last night... Lol. I guess my cli's are increased by $25 more th an the last one hehehe. Its all good though, I have not been there in a minute and I need to put some type of charge on it before I get the boot. I am probably going to go and get the kids some new sheet sets for their beds.
Comment 8 by lyyssa01
Eldarwen... on 2008-04-14
Wal-Mart was notorious for their $75 limit a while back. Capital One use to do the same, but I think they've stopped that since they've started that 3 step program deal.
on 2008-04-14 Wal-Mart was notorious for their $75 limit a while back. Capital One use to do the same, but I think they've stopped that since they've started that 3 step program deal.
Comment 9 by crazy2k5
RE: on 2008-04-14
I have a wal mart card. They started my off with $300. I just recently got a $100 cli. Its not much but I will take where I can get them:)
on 2008-04-14 I have a wal mart card. They started my off with $300. I just recently got a $100 cli. Its not much but I will take where I can get them:)
Comment 10 by greg500
WHY STORE CARDS PEOPLE? on 2008-04-15
If you have a major card of any kind, my first advise
is to never apply or use store cards. They are the
worst. They lure people with that silly save 10 or20 percent off with first purchase. The interest rate is insane if you carry a balance. Even if you are trying
to establish credit, there are ways to achieve this without these type cards. You will never be able to work with them for better rates, only they might give you credit line increases, but what good is that in the end if the terms are bad
on 2008-04-15 If you have a major card of any kind, my first adviseis to never apply or use store cards. They are the
worst. They lure people with that silly save 10 or20 percent off with first purchase. The interest rate is insane if you carry a balance. Even if you are trying
to establish credit, there are ways to achieve this without these type cards. You will never be able to work with them for better rates, only they might give you credit line increases, but what good is that in the end if the terms are bad
Comment 11 by wildrage2
Store Cards Aren't That Bad... on 2008-04-15
Store cards are just as bad as any other credit card if used recklessly. I know many people that think it's crazy to use any type of credit card... Period. Why use credit and pay even 1% interest when you can use cash?
I think store cards hit you the hardest if you carry large balances over a significant period of time... But lets face it... It isn't a good idea to cary a large balance on ANY credit card over a long period of time.
Store cards are a good way to get credit, and they are very generous with CLIs, which helps utilization. They also offer good disconts.
Personally, I use the card for the discount, then pay the balance off right after I make the purchase. It has caused a few cashiers to sort of smirk... But whatever.
on 2008-04-15 Store cards are just as bad as any other credit card if used recklessly. I know many people that think it's crazy to use any type of credit card... Period. Why use credit and pay even 1% interest when you can use cash?I think store cards hit you the hardest if you carry large balances over a significant period of time... But lets face it... It isn't a good idea to cary a large balance on ANY credit card over a long period of time.
Store cards are a good way to get credit, and they are very generous with CLIs, which helps utilization. They also offer good disconts.
Personally, I use the card for the discount, then pay the balance off right after I make the purchase. It has caused a few cashiers to sort of smirk... But whatever.
Comment 12 by eric
CLI on 2008-04-15
I hit the love button today for an increase and got a $200 CLI =$325... Its about time... Ive had this card for a year with the same old dinky $125 CL lol... GE has been stingy with me... Now I know why I don't work for these fools anymore lol
on 2008-04-15 I hit the love button today for an increase and got a $200 CLI =$325... Its about time... Ive had this card for a year with the same old dinky $125 CL lol... GE has been stingy with me... Now I know why I don't work for these fools anymore lol
Comment 13 by hjm331
RE: Eric on 2008-04-15
LMAO.
Watch out, they might give away your secret info like your SS# like the rest of those 650k customers.
on 2008-04-15 LMAO.Watch out, they might give away your secret info like your SS# like the rest of those 650k customers.
Comment 14 by gmac
Store Card Use on 2008-04-15
I agree that Store Cards are no good if you carry a balance but they are easier to get and do build your credit, and the Walmart card is one of the better cards, especial for the 12 mos no Interest deals for purchases over 250 that is a deal most store cards cant beat, and if you pay it off in 12 mos then you've used someone else's money for 12 mos FREE, who can beat that? The only Store Card I've seen that is better is Best Buy and they Offer 18 mos no interest, but the deal is usually on certain purchases. Walmart is great in itself for the 3 cents saving on gas alone with the use of the card, at today's gas prices you can't beat that. So use the card to buy gas and then pay in full and build your credit along the way, that's what I plan to do. And a word to the wise if you do take advantage of the 12 mos. No interest, be sure to Sock Drawer the card after your purchase, because if you bay anything, and I mean ANYTHING after the no interest deal it will sit be hind the no interest purchase and build all kinds of interest for GE Money Bank, because it is common practice to apply payments to the debit with the lowest interest rate first.
on 2008-04-15 I agree that Store Cards are no good if you carry a balance but they are easier to get and do build your credit, and the Walmart card is one of the better cards, especial for the 12 mos no Interest deals for purchases over 250 that is a deal most store cards cant beat, and if you pay it off in 12 mos then you've used someone else's money for 12 mos FREE, who can beat that? The only Store Card I've seen that is better is Best Buy and they Offer 18 mos no interest, but the deal is usually on certain purchases. Walmart is great in itself for the 3 cents saving on gas alone with the use of the card, at today's gas prices you can't beat that. So use the card to buy gas and then pay in full and build your credit along the way, that's what I plan to do. And a word to the wise if you do take advantage of the 12 mos. No interest, be sure to Sock Drawer the card after your purchase, because if you bay anything, and I mean ANYTHING after the no interest deal it will sit be hind the no interest purchase and build all kinds of interest for GE Money Bank, because it is common practice to apply payments to the debit with the lowest interest rate first.
Comment 15 by loren
Walmart Credit Card With 900 Limit on 2008-05-01
How do0 I get a sams club credit card
on 2008-05-01 How do0 I get a sams club credit card
Comment 16 by hjm331
Link on 2008-05-01
Here's the link to the application for the card that you want.
http://www.Samsclub.com/shopping/navigate. Do? Catg=11039
Good Luck
on 2008-05-01 Here's the link to the application for the card that you want.http://www.Samsclub.com/shopping/navigate. Do? Catg=11039
Good Luck
Comment 17 by marym
CLI on 2008-09-10
They just increased my limit from 900 to 950 after 4 months of use.
on 2008-09-10 They just increased my limit from 900 to 950 after 4 months of use.
Comment 18 by marym
Re: Shock Me Again Why Don't Ya on 2009-10-07
Got another increase last night. I'm up to $1208.00
I really don't know what's up with the extra 8.00 but I will take it.
on 2009-10-07 Got another increase last night. I'm up to $1208.00I really don't know what's up with the extra 8.00 but I will take it.
Comment 19 by meya
Re: Shock Me Again Why Don't Ya on 2009-10-07
Take it and roll with it... Lolz! Congrats again!
on 2009-10-07 Take it and roll with it... Lolz! Congrats again!
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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.
