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Showing results for tags 'Wal-mart'.
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I got a Wal-Mart card in last month's spree so I tried to sign up for the free FICO and it says I have to unfreeze it. Does it have to stay unfrozen to work? I don't really feel like paying $10 to unfreeze/refreeze for them, but I would like to know how it works. Is this true with the other TU free FICO credit cards as well? I know you can bump TU but I want to control who can put HI's on my report.
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After getting another four statements, my DW asked for a CLI on her Wal-Mart discover card and was raised from $5,800 to $6,000. Further, I had to wait five months this time as at four months they declined with: Previously, she had gone from $2,800 -> $3.300 -> $5,800. Any ideas on why the small CLI? She does have one card at 100% Util, but I don't think that was showing, unless they soft pull at the point of application. Her FICO was at 709 on TU before the Utilization went to 100% on one card, overall she is at around 30%. Is there some magic threshold at $6K? Her NFCU cards are at $50K and $22K.
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This is my DW's upgrade I'm talking about BTW. I had always assumed that when your Wal-Mart credit card got upgraded from their store card to the Discover Wal-Mart card that it would be the SAME Trade line. But this wasn't the case. In fact now she has her WM CC card with that CL be and when she called in to activate her WM Discover card they gave her a different CL. I just figured that they would CLOSE out her WM Store care but now when she logs into her account it shows the 2 different cards and you can click on to which ever one you want that you need too and also shows the different CL's and different balances. Kind of Cool that she keeps the WM Store card (for the uti) but with them adding a new TL her AAOA took a small hit and dropped her TU score by 3 points. No biggie as I'm sure she'll get that back soon. But didn't everyone else think that the upgrade would be on the same card and same Trade Line?
