Your Walmart Credit Card approval odds are decent if you have at least a fair credit score and a steady income. The store card version can only be used at Walmart and the Mastercard can be used anywhere. You’ll need enough income to make your payments, and Capital One (the issuer) will look at lots of other factors, too. They’ll look at your credit history, your assets and any potential liabilities and debts you have.
So, it’s hard to gauge your approval odds without knowing your personal situation. And Capital One unfortunately doesn’t let you check for prequalification to gauge your odds. They might send you a pre-approved offer in the mail, though.
Here’s how to check your Walmart Credit Card approval odds:
Your odds are best for both the Walmart Mastercard and the Walmart Store Card if you have a fair credit score.
How much income and debt you have, how many times you’ve applied for credit recently, and other factors will also affect your approval odds.
If Capital One sent you a pre-approved offer in the mail, your chances of being approved are very high. It’s still not a guarantee, though.
If you apply online or in-store, you might get instant approval if your credit and income clearly exceed the requirements. Otherwise, it could take a few weeks for Capital One to come to a final decision.
If you’re approved for a Walmart card, you should receive it in the mail within 10 business days. In the meantime, you’ll get a temporary card number so you can make purchases right away, both in store or online.
The only way to check your Capital One® Walmart Rewards® Mastercard® application status is to call Walmart Credit Services. That goes for both the Walmart® Store Card, which can only be used at Walmart, and the Walmart Mastercard. And while there’s no way to check your status online, the phone service is available around the clock. It’s also possible to be instantly approved for either card. But if that’s not the case for you, you’ll have to either call or just wait to receive a decision by email.… read full answer
Here’s how to check your Walmart credit card application status:
Call Walmart Credit Services.
Press 1 for service in English.
Press 1 for application status.
Press 1 if you applied online, 2 if in a store, or 3 for any other method.
Verify your identity with the Walmart representative. You’ll likely have to provide your SSN.
Receive your application status: approved, denied, or still pending.
If your application is approved, you can look forward to receiving your new Walmart credit card within 7-10 days of getting the good news. If your card doesn’t arrive within 10 days, you should give Walmart Credit Services a call to let them know.
Finally, if you’re denied, you can ask for reconsideration. But you’ll need to prove your credit or income is actually better than it appeared on the application to have a shot at approval.
I got approved for a Walmart credit card with a 530 credit score. I did not think I would get approved. Not only did I get approved for the store card but I got approved for the Mastercard.
This is my first credit card besides the Fingerhut card. I could never get approved for a Synchrony or Comunity Bank card. But Walmart switched to Capital One so I just tried.… read full answer
I think it was hard for me to get credit cards because I don't have any established credit but I don't have bad credit either. I'm so glad Capital One took a chance with me. If Synchrony and Comenity Bank give me offers I'm not going to accept them lol. My loyalty is Capital One!!!
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