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Shocked by Walmart


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I have been hesitant to apply for credit but was encourged (or enticed?) by some of the posts. I gave in and to my surprise got..

Target Visa -$1200 :shock: (ran EX fico 596) (still listing 7 yr old CH13)

HSBC MC-$1200 xbugeyesx (ran TU fico 644)

Walmart - $4000! (ran EQ fico 630)

xjawdropx

I was expecting at most $200-$300 limits. HSBC and Target were instant online approvals. Walmart called on my home pone about 2 hrs. later to ask some additional questions to verify I had applied, and then almost knocked me over with the limit.

I quess I won't be so worried about Christmas now. :D

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HSBC MC-$1200 xbugeyesx (ran TU fico 644)

Wow... my TU FICO is 673, but when I did a preapproval soft pull, they suggested I get a secured card!

This really is the season when lenders give huge CLs!

My BoA had a $1,500 limit which I got increased to $5,500 and again to $7,500.

My other CC (serviced by BoA/FIA Card Services) went from $2,500 to $5,000!

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I have been hesitant to apply for credit but was encourged (or enticed?) by some of the posts. I gave in and to my surprise got..

Target Visa -$1200 :shock: (ran EX fico 596) (still listing 7 yr old CH13)

Your score by the FICO scorecard they use must be at least 660 because they don't give Visa cards to people with scores lower than that.

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Your score by the FICO scorecard they use must be at least 660 because they don't give Visa cards to people with scores lower than that.

Sorry I had them switched Target ran the EQ which was 630 fico as of 11/27

(TC fako 660 as of 12/06)

Wallyworld ran the EX and it is 596 fico as of 11/27 TC fako 561

As for HSBC I already have a VISA with them that I have had for 3 years never late on payments it started at $350 and I have never carried a balance over $150 on it. They have increased my credit line up to $1000 over the last three years up about every 6 months

Also My ficos could be higher now because my last last mtg payment is 2 yrs. old as of 11/30/06 and I paid down my Cap1 Visa (limit $2500) to 50% on 12/02 it had been up to $2400 since July when I had my baby.

I guess I should have added that before. I should have put my new ficos but I am sure they have changed now due to the new inq. and TLs.

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To be honest, I have only shopped at Target one time two years ago.

It is to far away for me (35mi), and it sucked because I had to take something back and they wanted to charge me the difference because when I bought it it was on sale (day after T-day) and when I took it back it wasn't on sale so they tried to charge me the difference just to exchange it!

I had to go through every manager there and eventually just took my money back.

I told them they should give me the not on sale price as my refund since that was how they did business.

I did use the cc online to activate it, once it is PIF I more than likely won't use it again.

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To be honest, I have only shopped at Target one time two years ago.

It is to far away for me (35mi), and it sucked because I had to take something back and they wanted to charge me the difference because when I bought it it was on sale (day after T-day) and when I took it back it wasn't on sale so they tried to charge me the difference just to exchange it!

I had to go through every manager there and eventually just took my money back.

I told them they should give me the not on sale price as my refund since that was how they did business.

I did use the cc online to activate it, once it is PIF I more than likely won't use it again.

I love Target, but it is definitely a PIF card at over 19%. I will use it only for the donations they make to my niece's school. The rewards program is worthless, to spend $1000 to get 10% off. :roll:

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I have twelve mostly Nubians no hernias but they make lots of milk for yummy goatcheese!!

I went ahead and tried the TSC I haven't seen the pull yet but I got the 5-7 day wait for reply. I guess my luck ran out on the instant online approvals. My TU fico was 644 on 11/27.

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I have twelve mostly Nubians no hernias but they make lots of milk for yummy goatcheese!!

I went ahead and tried the TSC I haven't seen the pull yet but I got the 5-7 day wait for reply. I guess my luck ran out on the instant online approvals. My TU fico was 644 on 11/27.

Mmm... goat cheese...::tina::

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I haven't even got the Walmart card yet and my FICO went up 12 points because they already reported it with the limit and a zero balance. :)

I got the HSBC MC on Monday and I was wrong about the limit.

It is actually $2500.:shock: They are not reporting yet though.

I tried TSC they pulled my EQ. I haven't heard anything yet.

I am definately DONE with the new CCs.

I have went from $3650 in credit LIMITS to $11,350.:D

That's REALLY scary and ten years ago it would have tempted me. :tempted:

After all I have been through and everything I have learned here I know how to handle it all. I just need the extra pos. TLs to help boost my credit score in 6 months when we refinance our farm.

I am sure it will help when I go to buy my new tractor.

::tina::xsheepxxbunnyx

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  • 2 months later...

I got bad, scary, ugly, fusterating news from 'ol wally world. I applied 8 days ago, heard nothing, called today, and the lady said she couldn't tell me if I was accepted or declined, but I will have the results in 60-90 days. 60-90 days!!! WTH? Well, obvously i've been declined, but I have never heard of 60-90 days for the 'take a hike' letter.

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