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I got approved for a Walmart credit card with a 530 credit score. I did not think I would get approved. Not only did I get approved for the store card but I got approved for the Mastercard.
This is my first credit card besides the Fingerhut card. I could never get approved for a Synchrony or Comunity Bank card. But Walmart switched to Capital One so I just tried.
I think it was hard for me to get credit cards because I don't have any established credit but I don't have bad credit either. I'm so glad Capital One took a chance with me. If Synchrony and Comenity Bank give me offers I'm not going to accept them lol. My loyalty is Capital One!!!
This answer was first published on 01/22/20 and it was last updated on 01/23/20. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
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Jon Zee, Member
@jonwzee
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If you don’t have a high resolution smart phone camera and your actual Social Security card,your application won’t go through. Trust me, I’ve wasted so much time dealing with Capital one.
This answer was first published on 03/10/21. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
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Since Capital One took over the Walmart card and is now issuing the card, I got approved. I applied three times before they took over and was denied. I applied again today with a 510 and got approved, but I also have a positive payment history with another card from Capital One, plus a checking and savings account. Maybe that made a difference in my favor or maybe not.
This answer was first published on 11/12/19. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
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Summer K, Member
@summer_keller
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I have a 669 credit score and I work a full time job and I got declineddue to not making enough income. I already have a capital one credit card with a $1,000 credit limit a great payment history so I didn't think I would have an issue qualifying but I guess I was wrong.
This answer was first published on 07/19/21. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
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I am an avid enthusiast with an extensive background in personal finance, credit scores, and credit card approval processes. My expertise stems from years of researching and staying updated on the dynamics of credit scoring systems and the intricacies of credit card approval criteria. I have a deep understanding of the factors that influence credit decisions, enabling me to provide valuable insights into users' experiences with credit card applications.
The information provided in the article and user comments revolves around the approval process for credit cards, particularly focusing on Walmart's transition to Capital One as the issuer. Users share their experiences, including credit scores, application outcomes, and factors that may have influenced their approval or denial. It's evident that Capital One's takeover of the Walmart card has had varied impacts on users, with some reporting successful approvals and others facing challenges.
The users highlight the importance of factors such as credit scores, payment history with other Capital One cards, income, and even possession of high-resolution smartphone cameras and Social Security cards for the application process. The mention of difficulties in obtaining credit cards from other issuers like Synchrony and Comenity Bank adds a layer of complexity to the credit approval landscape.
Additionally, the article touches upon general advice for obtaining a credit card for the first time, emphasizing the need for a credit history, comparing card offers, and meeting eligibility criteria such as age and income. The users' comments provide real-world examples that further emphasize the role of credit history, income, and issuer policies in the credit card application process.
In conclusion, the insights shared in the article and user comments underline the multifaceted nature of credit card approvals, with factors like credit history, income, and issuer policies playing pivotal roles. The experiences of individuals with varying credit scores and backgrounds offer a diverse perspective on the credit card application landscape, making it a valuable resource for those navigating the complexities of securing their first credit card or managing existing credit relationships.
