Nov

30

If I apply for Target or Walmart Credit online, can I go to those stores the same day to make a purchase?

Filed Under Credit 

walmart
jeffatkins23 asked:


I understand Target and Walmart offer instant credit approval. But I was wondering if I submit a credit application online, upon approval can I go to Target and/or Walmart same day to use the credit and make a purchase.

Robin
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    • Comments

    No Responses to “If I apply for Target or Walmart Credit online, can I go to those stores the same day to make a purchase?”

    1. P J on December 2nd, 2009 11:37 pm

      Not without a card you can’t unless they issue some kind of temporary receipt you can print out online.

      Were you approved instantly? If not then the account was refused.

      Instant approval does NOT mean automatic approval so if you have bad credit you will not get the cards.

    2. echo on December 6th, 2009 5:13 am

      Stores generally do not give the option to go to the store and start shopping when the application is done online.
      Stores usually give out a temporary credit number if a person applies in the store and are approved. Then the person can start shopping right away.
      Some stores will offer the option to immediately shop online when the application is done online and the person is approved.

      I disagree with PJ on the statement that if you weren’t approved immediately than you were denied.
      Just because approvals aren’t instant does not mean denial.
      An instant denial is a denial.
      Many people are approved after receiving a 10 or 30 day wait.
      Some times creditors need more info from the person or they need to send the application to underwriting.

      And sometimes when people are instantly denied and they call for a reconsideration, then it is possible to get approved.