"In Time For Christmas"
Walmart® Credit Card Review
Written by: rsty99 on 2008-09-15
Overall Satisfaction
Customer Service
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rsty99's review: 
Approved for $700, no af, at 19%. Just wanted to add another store and this and JC Penny are where I do shop most of the time. I also see Walmart has a 12 month no interest on purchase of $250 may take advantage of that. Take care everyone.
Approved for $700, no af, at 19%. Just wanted to add another store and this and JC Penny are where I do shop most of the time. I also see Walmart has a 12 month no interest on purchase of $250 may take advantage of that. Take care everyone.
15 Comments
Comment 1 by hjm331
Congrats! 
on 2008-09-15
Congrats on the new card(s)! Hope you enjoy them with the holidays just around the corner. As I always say, "Store cards are the way to go for utilization and credit building."
on 2008-09-15 Congrats on the new card(s)! Hope you enjoy them with the holidays just around the corner. As I always say, "Store cards are the way to go for utilization and credit building."
Comment 3 by meya
Congrats on 2008-09-15
Welcome to the Walmart family, the family of slow increases... Lol.
on 2008-09-15 Welcome to the Walmart family, the family of slow increases... Lol.
Comment 4 by cfmdev49
Good Card To Have... on 2008-09-15
Congrats on the new card... I believe you can use it at Sam's Club, too. I have a Sam's Club card and can use that at Walmart so haven't bothered to apply for a Walmart card...
on 2008-09-15 Congrats on the new card... I believe you can use it at Sam's Club, too. I have a Sam's Club card and can use that at Walmart so haven't bothered to apply for a Walmart card...
Comment 6 by rsty99
Thanks Everyone on 2008-09-15
I don't think you could place a value on the information we share on this site. It allows you to see a side of the credit industry that would normally be behind closed doors to most consumers. I have not applied for any credit since my layoff in 2002 until now and will now sit back and hopefully in a few years look at buying a home again. Thanks again.
on 2008-09-15 I don't think you could place a value on the information we share on this site. It allows you to see a side of the credit industry that would normally be behind closed doors to most consumers. I have not applied for any credit since my layoff in 2002 until now and will now sit back and hopefully in a few years look at buying a home again. Thanks again.
Comment 7 by shark6
Congrats on 2008-09-16
Do you mind sharing your Fico score and or which bureau did they pull? You got a decent limit considering it's Wal-Mart.
It looks like you are in with GEMB seeing that you got approved for JCP and WM.
on 2008-09-16 Do you mind sharing your Fico score and or which bureau did they pull? You got a decent limit considering it's Wal-Mart.It looks like you are in with GEMB seeing that you got approved for JCP and WM.
Comment 8 by rsty99
Report Pulled on 2008-09-16
They pulled TU 630, I really didn't think they would approve but they did. Most of my negaitve late payments I have from my layoff in 2002 will be falling off in the next 90 days its been 7 years.
on 2008-09-16 They pulled TU 630, I really didn't think they would approve but they did. Most of my negaitve late payments I have from my layoff in 2002 will be falling off in the next 90 days its been 7 years.
Comment 9 by gkcust
Old Bills on 2008-09-16
Is the 7 years that you mention the statue where you live?
In California its 4 years I think so does that mean old bill will be remove from your credit report?
on 2008-09-16 Is the 7 years that you mention the statue where you live?In California its 4 years I think so does that mean old bill will be remove from your credit report?
Comment 11 by rsty99
TU Report on 2008-09-16
If you pull your TU report you will see the date its supposed to be removed, I have never heard of a State policy.
on 2008-09-16 If you pull your TU report you will see the date its supposed to be removed, I have never heard of a State policy.
Comment 12 by gkcust
When? on 2008-09-17
The lawsuit against Transunion (forgive my spelling) they say that your suppose to get free service my ????? Does anyone know when you can get ur free service?
on 2008-09-17 The lawsuit against Transunion (forgive my spelling) they say that your suppose to get free service my ????? Does anyone know when you can get ur free service?
Comment 13 by meya
Here You Go on 2008-09-17
This is the link that Mary Tomkins provided to us
http://www.financeglobe.com/FN/showthread.php?899
on 2008-09-17 This is the link that Mary Tomkins provided to ushttp://www.financeglobe.com/FN/showthread.php?899
Comment 14 by rsty99
Already Reported 3 Credit Bureaus on 2008-09-19
I just updated my true credit report and walmart reported to all 3 bureaus, I don't even have the card yet. It even shows card number and accounts current. They don't mess around.
on 2008-09-19 I just updated my true credit report and walmart reported to all 3 bureaus, I don't even have the card yet. It even shows card number and accounts current. They don't mess around.
Comment 15 by colonative
GKCUST on 2008-11-01
I am late to the party as usual and probably nobody will see this but the 4 years in CA is the statute of limitations on the collections side of things, but it will still report to the bureaus for 7 years as it should.
One thing to keep in mind though is that the 7 years starts at the first date of delinquency. Meaning the date the account started to go bad. Usually it takes about 5 months for an account to charge off, so instead of going from the month of charge off you could really go back 5 months to the first day it became past due leading up to the charge off.
on 2008-11-01 I am late to the party as usual and probably nobody will see this but the 4 years in CA is the statute of limitations on the collections side of things, but it will still report to the bureaus for 7 years as it should.One thing to keep in mind though is that the 7 years starts at the first date of delinquency. Meaning the date the account started to go bad. Usually it takes about 5 months for an account to charge off, so instead of going from the month of charge off you could really go back 5 months to the first day it became past due leading up to the charge off.
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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.
