You probably can’t get a Walmart credit card with bad credit because even the Walmart-only version requires fair credit for approval. That means your chances are best if your credit score is 640+. That’s not to say getting a Walmart credit card with bad credit is impossible. Each applicant’s situation is unique, and Walmart looks at factors such as income too. But it’s very unlikely, and not worth the additional credit score damage applying will do. That said, a Walmart credit card isn’t out of your reach forever. It’s possible to go from bad credit to fair credit in months, or even weeks, if you make the right moves.
Here’s how to get a Walmart credit card with bad credit:
Get a secured card. Meant for people with bad credit, secured credit cards have the same credit-building potential as unsecured cards. You just have to put down a security deposit that acts as your credit line.
Make on-time payments. Paying on time is required if you want your score to rise.
Plan your utilization. Try to use less than 30% of your available credit.
Reduce your debts. Owing less means you can borrow more.
Monitor your credit. Checking your credit score and report frequently will help you figure out how to improve and when you’re ready for a Walmart card.
Apply for a Walmart card. Once you get your score to 640+, your chances of success will be much better.
So it’s unlikely you’ll get approved for a Walmart credit card with bad credit, but you can certainly work your way up to fair credit pretty quickly.
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.
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