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.
It is not very hard to get a Walmart credit card. Walmart has credit card offerings for people with good credit, and those with fair credit. There are two main Walmart credit cards: a store card that can only be used at Walmart, and the Walmart Mastercard which can be used anywhere Mastercard is accepted.… read full answer
The Walmart Mastercard accepts applicants with good credit, so a score of 700 or higher. The Walmart store card will accept applicants with fair credit (score of 640 or higher) and is therefore easier to get. Requirements also include being a U.S. resident and at least 18 years of age to get either card. You’ll also want to have a steady income, although Walmart doesn’t release specific income requirements. As with most credit cards, the higher your income and the lower your existing debt, the better your chances will be for approval.
How to Get a Walmart Credit Card: The application process is simple and can be completed online or in store. Regardless of where you fill it out, the application is the same. It asks for your name and address, phone number, Social Security Number, and your annual net income. Regardless of whether you want the Walmart Store Credit Card or the Walmart Mastercard, the application is the same. Your credit score will determine which card you get approved for.
How to Find Out if You’ve Been Approved for a Walmart Credit Card: You can check the status of your Walmart credit card application at any time by calling Walmart Credit Services, at 1-877-969-3668. If your application is approved, you will receive your new card in the mail in 7-10 business days later.
If you don’t get approved for a Walmart credit card, don’t worry. There are plenty of other credit cards for people with fair credit, no credit and even bad credit. If you’re trying to build, or rebuild, your credit, secured cards are an excellent option, as they’re easier to get approved for thanks to the required security deposit. Regardless of what card you decide on, be sure to make all of your payments on time and use your credit card responsibly. That way, your credit score will go up and you’ll have better chances of being approved for the top credit cards you want.
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