Permalink Report Abuse
I got approved at credit score 590 .
This answer was first published on 10/27/20. 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.
Permalink Report Abuse
Well, it is, however, hard to get approved for it with a low score.
However, I learned that if you prequalify for any Capital One, they will allow you up to 2 or more. So I got approved for the Platinum card with capital one with only a 552 FICO score and 645 vantage score and then I applied for the Walmart card which I knew I wouldn't get the Visa Walmart card but still did approved for the Walmart store card and I also got approved for another store card held by Capital One.
So I've learned not just with me but others that if you can get overqualified and approved for 1 card with Capital One you can usually get approved for another 1 or 2 cards.
And this is the same with other card companies cause they don't see these new accounts yet on your file. But of course, it is not good to open multiple cards cause it affects card length history. But I was rebuilding and starting over so it didn't hurt me one way or the other cause now I have 4 cards all on the same time frame. And of course, every case is different. Cause in the past I've been turned down with a higher FICO score for cards. So while the score is important it isn't everything they look at.
This answer was first published on 02/18/20 and it was last updated on 02/19/20. 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.
People also ask
You need a credit score of 640 or higher to get a Walmart credit card. This means you are eligible if you have fair credit or better, but factors such as your income, existing debt load, recent credit inquiries, employment status, and housing status will also impact your chances.
Since all these criteria are taken into consideration, you might be able to get approved with a slightly lower credit score. But it’s best to...
read full answer
Permalink Report Abuse
Yeah: increase your credit score. Check for mistakes, dispute, pay stuff on time. There's no magic involved, really.
You can't really get approved for it if you don't have at least about 650. Even if your income is great, I wouldn't risk a hard inquiry.
This answer was first published on 03/29/18. 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.
Thank you for submitting your comment! Please login or join Wallethub for your comment to post.
FAQs
You probably can't get a Walmart Credit Card with bad credit because this card requires at least fair credit for approval. That means your chances are best if your credit score is 640+. The Walmart® Store Card has the same credit score requirements, too.
What's the lowest credit score for a Walmart credit card? ›
To get approved for the Walmart Credit Card, you will need a credit score of 640 or above (fair credit or better). Other requirements include a monthly income that's at least $425 more than your monthly housing payment, a valid SSN or Tax ID number and a physical U.S. address.
Is a Walmart credit card easy to get with no credit? ›
Bottom Line. You'll need good to excellent credit to get the Capital One Walmart Rewards® Mastercard®*, but that's not the end of the story. If you aren't approved for the Mastercard, you are still eligible to be considered for the closed-loop version of the card.
Does a Walmart credit card give instant approval? ›
You can apply for a Walmart Credit Card online and get instantly approved. In that case, you may get a temporary card number that you can use to make purchases right away.
What is the starting limit for Walmart credit card? ›
The minimum credit limit attached to a Capital One Walmart card is $300. That said, your actual limit will be determined at the time of approval according to relevant factors like your credit score, current debt-to-income ratio and annual income.
Does everyone get approved for Walmart credit card? ›
To be approved for a Walmart credit card, you typically need a credit score in the fair to good range, which generally falls within the 580 to 740+ range. However, it's important to note that the specific credit score requirements may vary depending on the type of Walmart credit card you're applying for.
What store credit card can I get with a 520 credit score? ›
The best store credit card you can get with a 520 credit score is the Amazon Secured Credit Card, which has a $0 annual fee and offers 2% cash back on Amazon purchases if you are a Prime member. It requires a minimum security deposit of $100, making it easier to get with bad credit.
What credit card is the easiest to get? ›
Easiest credit cards to get approved for
- Best for unsecured card: Capital One Platinum Credit Card.
- Best student dining card: Capital One SavorOne Student Cash Rewards Credit Card.
- Best for no annual fee: Citi Double Cash® Card.
- Best for students: Discover it® Student Cash Back.
The best type of credit card for a 350 credit score is a secured credit card with no credit check when you apply. These credit cards offer high odds of approval even for people with the lowest credit score possible because your credit history doesn't factor into the approval decision.
Why didn't I get approved for my Walmart credit card? ›
Approval odds for the Walmart Credit Card will also be influenced by your annual income and existing debts. In addition, every applicant will need to be 18+ years old with a U.S. mailing address and an SSN.
It is not hard to get the Target Credit Card because you only need fair credit to qualify, which means you should have good approval odds with a credit score of 640 or higher. You also need to have a steady income, an SSN and a valid ID, which is standard.
What credit score is needed for an Amazon credit card? ›
Recommended credit score
Typically, you can qualify for Synchrony's Amazon Store Card with a fair credit score (580 to 669).
How do I get approved for a Walmart Mastercard? ›
You will need a credit score of at least 680 to be approved for the Walmart Rewards Mastercard. Although, it may be possible to be approved with a credit score as low as 640 if you have sufficient income. If your credit is less than ideal, you may be approved for a higher interest rate of 25.99%.
How long does it take to approve a Walmart credit card? ›
It can take 7-10 business days to get approved for a Walmart Credit Card if you're not approved instantly when you apply. Once you are approved, you will receive your Walmart Credit Card by mail within 10 business days. So from the moment you apply, it can take up to 20 business days to get the Walmart Credit Card.
Are there two different Walmart credit cards? ›
The program offers two cards – the Capital One Walmart Rewards Mastercard and a private-label card exclusively for Walmart purchases, the Walmart Rewards Card. The co-branded Mastercard offers a number of digital-first features.
What credit card approves a 500 score? ›
Comparing the best cards for a 500 credit score
| Card name | Annual fee | Security deposit |
|---|
| Discover it® Secured Credit Card | $0 | $200 |
| Petal® 2 “Cash Back, No Fees” Visa® Credit Card | $0 | None |
| Mission Lane Visa® Credit Card | $0 to $59 | None |
| Indigo® Mastercard® | $0 to $99 | None |
2 more rowsJan 25, 2024
What are the best store credit cards for bad credit? The best store credit cards for bad credit are the Montgomery Ward Credit Account and the Amazon Secured Credit Card. Both of these store credit cards accept applicants with bad credit scores, have $0 annual fees, and report to the major credit bureaus.
What credit card can I get with a 480 credit score? ›
The easiest credit card to get with bad credit (a credit score of 300-639) is a secured credit card with no credit check such as the OpenSky® Secured Visa® Credit Card or the OpenSky® Plus Secured Visa® Credit Card. This type of card requires a deposit but doesn't check your credit history, making it very easy to get.
