Does the Walmart Credit Card do a soft pull?

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.... read full answer

Once Walmart Credit Card reports your account information to a credit bureau, it may take a few days before the updates appear on your credit report. New Walmart Credit Card cardholders may not see any new credit account info on their credit report for one or two billing periods after getting a card.

If you’d like to review your up-to-date credit score and TransUnion credit report, you can sign up for a free account on WalletHub. That way, you’ll be able to check every day to see if there’s any new information about the Walmart Credit Card on your credit report.

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.... read full answer

How to Check for Walmart Credit Card Pre-Approval Online

1. Visit the Walmart Credit Card pre-approval page and click on “See if I’m Pre-Approved.”
2. Enter your name, date of birth, Social Security Number, contact, and financial information.
3. Click “See if You’re Pre-Approved” to see if you have any pre-approved offers.

If you do get a pre-approval offer in the mail, you can respond to the offer online or call the phone number included in your offer letter. The letter will also include a reservation number and an access code, which you will need to provide so that the issuer will know to flag the application as pre-approved.

Be aware that Walmart Credit Card pre-approval is not a guarantee that you’ll be approved for the card. It simply means the odds of getting the card are in your favor (90%) should you submit an application. Also, note that if you apply for the Walmart Credit Card, you are giving the issuer permission to conduct a hard “pull,” or inquiry, on your credit report. Hard inquiries will lower your credit score slightly, but only for a short period. Pre-approvals, however, do not affect your credit score, as they’re done using a soft inquiry.

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.... read full answer

Lastly, while you can ask for an increase at any point, it's best if you do it after 6 months of on-time payments.