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  1. #1
    Angela Guest

    Target and Walmart credit card

    Doris K mentioned that she shops at Target and Walmart. I know Doris likes value and is affluent. So does anyone know how hard it is to get credit at either of these 2 stores?

    And do they report to the 3 CRA's?

  2.  
  3. #2
    mt Guest

    RE: Target and Walmart credit

    I did not know that Wal-Mart had a credit card program? I did obtain a K-Mart card through Capital One, very easy approval. I have applied for Target in the past, and have yet to be approved (though I have been approved for many other cards...). Target is pulling my worst report though.

  4. #3
    jamie is offline Senior Member
    Join Date
    Apr 2000
    Posts
    463

    RE: Target and Walmart credit

    Target is pretty easy to get, they gave me a $900 limit with an unpaid collection on my report. I heard Walmart is easy too.

  5. #4
    jamie is offline Senior Member
    Join Date
    Apr 2000
    Posts
    463

    RE: Target and Walmart credit

    If Walmart is the same as Sams Club card, they gave my husband $800 instant credit in store with 2 charge offs listed on his report.

  6. #5
    Cindy is offline Senior Member
    Join Date
    Mar 2000
    Posts
    236

    RE: Target and Walmart credit

    Waaaah! I attempted to get a Target card last year and was DECLINED. However, in the same month, I got that $200 Cap One card that I was whining about last week, and a (yucky) First Premier. Go figure!

    I would have been happy with even a $200 limit card at Target. I have found many great values at that store...in fact, I must admit that shopping there is somewhat of an addictive, guilty pleasure for me (LOL!!!).

    Anyway, I believe they pulled my Experian, which is currently my worst report. I was planning to wait until later this year and try again. Guess I'd better not try for Wally-World....

    Cheers,
    Cindy

  7. #6
    jamie is offline Senior Member
    Join Date
    Apr 2000
    Posts
    463

    RE: Target and Walmart credit

    I got that one too. They both pulled my Equifax. It has a collection acct. I'm disputing. Elec bill my ex stuck me with. Maybe they don't look at utilities.. Who knows?

  8. #7
    jamie is offline Senior Member
    Join Date
    Apr 2000
    Posts
    463

    RE: Target and Walmart credit

    Cindy, did you try on-line? You get instant approval with your acct. number if you qualify. Target does have some great stuff. We don't have one in our area yet, but sometimes when we travel, I like to shop there. Nice to have thier card for must have stuff.

  9. #8
    Cindy is offline Senior Member
    Join Date
    Mar 2000
    Posts
    236

    RE: Target and Walmart credit

    Jamie,

    Yep, I did try online, actually. An instant denial kinda stinks, but at least you don't have to wait in suspense for weeks. Since my credit troubles began a few years ago, I avoid those in-store instant credit booths because of a bad experience I had once at a baseball game ;-)

    BTW...here in Atlanta, we pronounce it "Tar-zhay"! I just got a really kewl pair of shoes there for $4.. even the salesclerk was impressed....

    Cheers,
    Cindy

  10. #9
    jamie is offline Senior Member
    Join Date
    Apr 2000
    Posts
    463

    RE: Target and Walmart credit

    That sounds very impressive, up-scale. Its like Sallys for Salvation Army. HeHeHe

  11. #10
    Doris K. is offline Senior Member
    Join Date
    Mar 2000
    Posts
    478

    RE: Target and Walmart credit

    I don't think of myself as affluent--just a bitter old woman who took her ex-husband to the cleaners. I just find Wal-Mart and Target sensible enough for my tastes. A pair of granny panties from Wally World serves me just as well as a pair from Neiman-Marcus and costs a whole lot less!

    I don't have either of their cards, but my daughter had the Target card until just recently. She had quite a few negatives on her reports when she got it. They do report to all three CRAs but not until you use it for the first time.

    To add one nice note about the Target card, when my daughter cancelled it recently, the rep told her that if she wants, she can instantly reactivate the card at any Target service desk or by calling customer service at any time within the next three years. I've never heard of such a thing before, but it could be helpful for those who need to boost their FICO temporarily while applying for a mortgage or some other major credit purchase.

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