Bogdan Roberts, Credit Cards Moderator
The Walmart Credit Card limit will be based on your credit standing once your application has been approved. However, there's no surefire way of knowing your credit limit beforehand as the issuer does not disclose this information on their website.
The factors that influence your starting Walmart Credit Card credit limit include your credit history, income, and debt. The same applies for the Walmart® Store Card, too.
Key Things to Know About Walmart Credit Card limits
- You'll learn your credit limit when you're notified about account approval, either on the application website or by email.
- The credit score requirement for Walmart Credit Card is 640, at a minimum. That means applicants need fair credit or better to be approved. The higher your score is, the higher you can expect your credit limit to be.
- If you're unhappy with your initial Walmart Credit Card (or Walmart® Store Card) credit limit, you can request an increase online or over the phone after you’ve had the card for at least 6 months. However, there’s no guarantee you’ll be approved.
- The issuer may also automatically consider you for a higher credit limit after you’ve made your first 6 payments on time.
Ultimately, it is worth noting that the issuer uses soft pulls for credit limit increases. So, requesting a Walmart Credit Card limit increase won't affect your credit score.
Capital One Walmart Rewards® Mastercard®
I started with a credit limit of $300 8 years ago and now my limit is $8100.
I just got approved for the Capital one Walmart card with a $300 limit. My score is 675. High interest 26%. But I will obviously pay it off each month so no interest. I did it for the 5% cash back for the 1st 12 months. Its not the best but I'm happy to get approved. I've been working on my credit for a year. Started at 535 and a secured Visa. Went thru a divorce that ruined my credit. I don't mind the low limit. Easier to keep up on payments which improves my score.
People also ask
Marjorie Willis, Member
That depends mostly on your score and your income. I started with 1,500 @720, but your mileage may vary.
My credit is horrible (below 580) I was approved today for $2000
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