onetray, Member
@onetray
No, the Walmart Credit Card will not do a soft pull. The Walmart Credit Card application will result in a hard inquiry. So, keep in mind that you will need at least fair credit (640+) to get the card. While the score is higher than what most store cards require, you will be able to use the card anywhere Mastercard is accepted.
More info regarding the Walmart Credit Card credit inquiry:
You can check if you prequalify for the Walmart Credit Card on the issuer's pre-qualification page. This inquiry will not affect your credit score as it will be a soft pull. However, if you do prequalify and want to get the card, you will need to submit an actual application which results in a hard pull.
A hard pull usually causes an applicant's credit score to drop by 5-10 points. Most people’s scores bounce back within 3-6 months with responsible credit management, but it can take up to 12 months. You can also check out Wallethub’s guide on how to minimize the credit score damage.
Please note: The Capital One Walmart Rewards® Mastercard® may no longer be available to new applicants. Information presented on this page may no longer be accurate.
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People also ask
When does the Walmart Credit Card report to credit bureaus?
The Capital One Walmart Rewards® Mastercard® * reports to the credit bureaus monthly, within days after the end of a cardholder’s monthly billing period. Walmart Credit Card * reports the card’s credit limit, account balance, payment history, and more to all three of the major credit bureaus: TransUnion, Equifax, and Experian. Capital One may use a specific credit bureau more than another, depending on the applicant’s home state, and other factors.
Once Walmart Credit Card * reports your account information to a credit bureau, it...
read full answer by Chip Lupo, Credit Card WriterCan you get pre-approved for a Walmart credit card?
Yes, you can get pre-approved for the Walmart Credit Card *, through the card’s webpage. By clicking on “See if I'm Pre-Approved,” you can quickly check your odds of approval for the Walmart Credit Card * before you actually submit an application. You can also get pre-approved for the Walmart Credit Card * by receiving a targeted mail offer. This is how you can check for Walmart® Store Card * pre-approval, too.
How to Check for Walmart Credit Card * Pre-Approval Online
- Visit the Walmart Credit Card * pre-approval page...
Will asking for a credit line increase on my Walmart credit card result in a soft pull?
Yes, asking for a credit line increase on your Walmart credit card will result in a soft pull.
They will use the information they’ve gathered throughout the time you've had the account, so they won't do a hard pull on your credit.
In order to increase your credit line, you will have to call the customer service number on the back of your card to make a request.
Lastly, while you can...
read full answer by Joan Brown, MemberDid we answer your question?
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