"Approved"
Walmart® Credit Card Review
Written by: meya on 2007-07-14
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
meya's review: 
So sorry to hear what happened Cindy. Believe it or not, but everyone in here told the truth about the way FICO and creditors communicate. I am not sure which credit file Walmart just pulled but My highest score is just 643 and my lowest is 613 and they gave me a $400 limit today (online). I was rejected by Walmart at least 3 times before being accepted. Me, Jcpenny's, Layne Bryant (plus size women clothing dept.), Target (who I will never apply for again), Shell... Etc rejected me many of times... Girlfriend I can name a lot of companies. I am just now receiving some kind of attention from them. I have learned my lesson from the past, but my main feed back to Cindy is, "To every no, there is a Yes out there waiting for you. I hope this makes you feel better!
So sorry to hear what happened Cindy. Believe it or not, but everyone in here told the truth about the way FICO and creditors communicate. I am not sure which credit file Walmart just pulled but My highest score is just 643 and my lowest is 613 and they gave me a $400 limit today (online). I was rejected by Walmart at least 3 times before being accepted. Me, Jcpenny's, Layne Bryant (plus size women clothing dept.), Target (who I will never apply for again), Shell... Etc rejected me many of times... Girlfriend I can name a lot of companies. I am just now receiving some kind of attention from them. I have learned my lesson from the past, but my main feed back to Cindy is, "To every no, there is a Yes out there waiting for you. I hope this makes you feel better!
2 Comments
Comment 1 by meya
Suggestion 
on 2007-07-17
PS,
GEMB works with those who has little scores and have some "proven track records" of on-time, and pays-as-agreed status.
on 2007-07-17 PS, GEMB works with those who has little scores and have some "proven track records" of on-time, and pays-as-agreed status.
Comment 2 by moba25
I Agree With Cindy... on 2007-12-01
My median FICO is 673. I ran a search on here and applied for cards within the 640 range. I got denied by all of them so far. According to Experian, I have 100% available credit. I have never declared bankruptcy. And I have no derogatory refections on my credit. Also, I do have 2 major (although sub prime) credit cards. Both are paid off. One actually owes me 26.00 because I overpaid them when I paid it off. So there is no balance. ANd no reason why I should be denied other than these companies feel I should play cat and mouse with them. It is to the point where I feel like saying screw the credit. I have a Visa debit card. Why even try to give them my business when the obviously don;t want it.
on 2007-12-01 My median FICO is 673. I ran a search on here and applied for cards within the 640 range. I got denied by all of them so far. According to Experian, I have 100% available credit. I have never declared bankruptcy. And I have no derogatory refections on my credit. Also, I do have 2 major (although sub prime) credit cards. Both are paid off. One actually owes me 26.00 because I overpaid them when I paid it off. So there is no balance. ANd no reason why I should be denied other than these companies feel I should play cat and mouse with them. It is to the point where I feel like saying screw the credit. I have a Visa debit card. Why even try to give them my business when the obviously don;t want it.
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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.
