Walmart Instant Approval - No INQ?

[hrguy]

Hey guys, about a week ago I apped in-store for the Walmart Card, and the cashier said I had to call in. Called in, verified my identity, and the rep said instant approval for 1.5K, expect the card within 10 days. OK.........

 

But I still do not have an INQ on none of the 3 bureaus, but it is already reporting to all 3.

 

Past two apps have either hit TU or EX and were declined. Any explanation as to why no INQ has shown up yet?

[ckvb]

Same thing happened to me. Declined in march with a TU pull. Applied 90 days later auto approved and never got a new inq

[hrguy]

Crazy thing is, the cashier had to do it twice in-store, and then when I called in to GE, the rep had to pull again so she said. So I was expecting at least 2 inqs, possibly 3. Not one has showed up.

[hrguy]

I spaced mine out, usually they will tell you at GE that you cannot slip in with them under 2 years from a BK, but CBers know that is not true . Either way, I am happy, I burned them last year in my BK under HHGregg, PayPal and Old Navy. Glad to be back in with GE.

[Vettecor]

HRGUY, welcome back. I haven't seen a post or thread from you in ages.

 

My wife even said a few weeks ago wonder what happened to HRGUY ?

[hrguy]

HRGUY, welcome back. I haven't seen a post or thread from you in ages.

 

My wife even said a few weeks ago wonder what happened to HRGUY ?

Hey Vettecor - thanks, tell the wife hello I had unexpected hernia repair surgery right after the 4th of July, so I was recovering.

[astro]

Could they have checked innovis, ID analytics, or the other CRA instead? Did you see softs for Walmart?

[hrguy]

No - I don't. Actually I got the card on Friday, and the range was 300-620 on a GE Retail Scale, so I am not sure what they use to formulate their own scale. But I got a 489 out of 300-620 according to the back of the card.

[stroked89coupe]

I think thats the first I have heard of walmart not sending a 300-850 letter.