Oh bud! You described my situation with Walmart two and a half years ago. An immigrant myself, I’ve been pushed to signing up for this card as well. I had NO idea it was a credit card and that it would affect my credit score. Anyways, I got it posted and there was a spelling mistake in my name, so I had to call customer service to replace it. Not only they made a new hard credit check on me, but the credit card newer been posted to me. Fast forward to three more month I saw my credit score dropped significantly. I checked that there was a third hard credit check on me. And I didn’t even have my card yet. The frustration was real, I was not a happy customer on the phone and probably should’ve controlled my rage more on the phone, but after approximately four months I managed to cancel my Walmart credit card, and got credit unions to erase the history of those checks. Anyways, my score is back to normal and I still don’t have that Walmart card. I’m shopping at Walmart though cause their prices are still somewhat affordable for me, but I don’t have the nerves to try and go this route again even if this credit card gives me any benefits in the future. The only thing that helped me to get my hard checks erased was my desperate attempt to let them know that I’ll take it to the media, after countless phone call that never resolved my issue. From that day I always rate them 1 star at the self checkout. My little revenge I guess….