Can you get approved for the Walmart Credit Card after bankruptcy?

The easiest way you can apply for a Walmart Credit Card is either online or over the phone at (800) 903-9177. Alternatively, you can apply at a Walmart store location or at a Capital One branch (the issuer).

Here’s how to apply for a Walmart Credit Card:

• Online: You can apply for the Walmart Credit Card … read full answeronline. You also have the option of checking for pre-approval if you want to gauge your approval odds. Just click on the “See if I’m pre-approved” button.
• Over the phone: If you want to apply over the phone, just call customer service at (800) 903-9177. When prompted, say “apply for a credit card” and you will be connected to a live representative.
• At Walmart: You can also apply for the Walmart Credit Card in store, by visiting your nearest Walmart store location.
• At a branch: Finally, you can submit an application at a Capital One branch, which is the issuer of the Walmart Credit Card.

Before you apply, it’s important to note that Walmart offers two credit cards – a Mastercard and a Walmart® Store Card – but has just one application.

In other words, you can’t pick your Walmart card. Your creditworthiness decides for you. People with better credit generally get the Walmart Credit Card, while folks with fair credit usually receive the Walmart® Store Card.

The Walmart Credit Card credit score requirement is 640 or higher. That means people with fair credit or better have a shot at getting approved for this card. The Walmart® Store Card also requires at least fair credit for approval.

Other things you need for the Walmart Credit Card:

You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Walmart Credit Card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status and housing status.… read full answer

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 wait to apply until you meet the Walmart Credit Card credit score requirement. You can check your credit score for free on WalletHub.