Ok, so I had gotten a pre approval offer from Walmart card last year and I did not apply as I didn't think that I would apply.
I decided to go to the site last night and tempt fate and apply. I got to the 4 Lexus Nexis questions and at the last one, I meant to hit the 'next' button but I hit cancel instead. A pop up box openned up and I tried to 'x' out but it aborted the entire ap. I decided to apply again as I didn't think that it had gotten to the irquiry section yet.
I did this and got the dreaded '7day message'. I went to
www.creditboards.com
and looked up the backdoor # for underwriting and called them today.
I got xferred to another area which I was told was the fraud department and the lady then asked me 3 questions that were related to 2 cars that we had owned(1 currently) and about a street address.
She then said, 'congratulations, you have been approved for the Walmart Discover for $1700'. I nearly fell out of my chair and had to ask her to repeat it again to make sure that I was hearing right.
My daughter who has absolutely clean credit, with no baddies but a file less than 12mths although I have her as an authorized user on my 5yr Cap 1 card(which is what I am convinced is the reason why she has gotten so many good cards with no credit file before) was denied for a Discover Rewards card and was cast off to the HSBC Direct Rewards 18% Discover card (at least no AF) with just a measly $750 limit.
I can't believe it! I have to say that I do have a Sam's club and that Walmart pulled Equifax which is my best report with no baddies except my bad student loan.
I still can't believe it especially as the database is filled with stories of people only meager limits of $200 or less or odd amounts under $300.
Yahoo!
p.s. This also helps with my utilization. I'm going to recalculate that now.
I don't know what tier I fall into yet so not sure of the interest rate but this card won't be used to charge more than $50.
