topic Re: Walmart Discover in Credit Cards

Walmart Discover

7PM789 — Wed, 03 Oct 2012 23:36:23 GMT

I was approved for a Sam's club discover card two days ago and now I'm contemplating the odds of being approved for a walmart discover card. If the odds are on my side I would like to do it soon so they can age together. Is G.E.C.R.B. known to approve multiple cards this close together or would I be setting myself up for failure?

My utilization are as follows <%1 on my Amex, %0 on my mastercard, <%2 on my Sam's club discover and %6 on my discover more overall utilization is around %1.5

What should I do app or wait?

Re: Walmart Discover

jsucool76 — Wed, 03 Oct 2012 23:12:31 GMT

Do you really need both of them? You can use the Sam's club discover card at walmart....

If you want the Walmart discover for the free FICO I would've just applied for that first, since the walmart cards work at sam's club, whether or not you get the discover version.

Re: Walmart Discover

creditnocash — Wed, 03 Oct 2012 23:12:44 GMT

whats your aaoa look like? 4k on a discover? wow.

id say go for it. what do you have to lose.

but your score does seem a little low.

must have a big income =)

are you applying for anything else? another car or house?

Re: Walmart Discover

7PM789 — Thu, 04 Oct 2012 01:34:50 GMT

My A.A.O.A. is currently 8.5 months(down from 11.33 months pre Sam's). If I get the walmart discover it'll drop to 6.8 months and I wouldn't app for anything else until February when my A.A.O.A. is back up to 1 year+. I don't plan on buying another vehicle or a house any time soon. Also despite my wishes I don't make "a lot" of money.

Re: Walmart Discover

creditnocash — Thu, 04 Oct 2012 01:39:52 GMT

7PM789 wrote:
My A.A.O.A. is currently 8.5 months(down from 11.33 months pre Sam's). If I get the walmart discover it'll drop to 6.8 months and I wouldn't app for anything else until February when my A.A.O.A. is back up to 1 year+. I don't plan on buying another vehicle or a house any time soon. Also despite my wishes I don't make "a lot" of money.

honestly i would just leave it at that.

like stated you can use sam's at walmart.

other then the free tu fico do you need the aval credit?

in the end its your choice. with only 8 months aaoa i think they would give you a lower limit though. and might not even be the discover version.

for me i had no baddies just aaoa dropped to 9 months and they gave me 800 store card. in july..... cli to 3000 though a few days ago.

Re: Walmart Discover

7PM789 — Thu, 04 Oct 2012 02:02:57 GMT

I applied for the Sam's club discover in response to a letter I received in the mail because it stated that if I was approved I would start with a limit of no less than $2,000.00 and I figured it couldn't hurt after reading that the majority of people have great things to say about G.E.C.R.B.

I then decided to go through my shoebox of papers to feed my shredder later that day and realized that I had a copy of an old Trans Union score from when I was shopping around for my car loan. I hadn't realized that it was significantly lower than my other scores from the same time last year which is why I would like the free monthly score from Trans Union with the walmart card.

Re: Walmart Discover

LS2982 — Thu, 04 Oct 2012 02:06:29 GMT

7PM789 wrote:
I was approved for a Sam's club discover card two days ago and now I'm contemplating the odds of being approved for a walmart discover card. If the odds are on my side I would like to do it soon so they can age together. Is G.E.C.R.B. known to approve multiple cards this close together or would I be setting myself up for failure?

My utilization are as follows <%1 on my Amex, %0 on my mastercard, <%2 on my Sam's club discover and %6 on my discover more overall utilization is around %1.5

What should I do app or wait?

I wouldnt bother apping for that card. Sam's DIscover works the same in Walmart. It's pretty much a useless card other than the TU FICO.

Re: Walmart Discover

7PM789 — Thu, 04 Oct 2012 02:28:46 GMT

Ok. In a hypothetical situation would G.E.C.R.B. issue two new cards within a short period of time regardless of which stores they are for?

Has anybody here done this before?

Re: Walmart Discover

maiden_girl — Thu, 04 Oct 2012 02:34:30 GMT

7PM789 wrote:
Ok. In a hypothetical situation would G.E.C.R.B. issue two new cards within a short period of time regardless of which stores they are for?

Has anybody here done this before?

Yes. They'll approve it. I mean...both cards are backed by GE but they are two completely different entities..You'd be able to get it if you applied now. I got Walmart Discover (GE) and Amazon (GE) within the same week...

Re: Walmart Discover

jsucool76 — Thu, 04 Oct 2012 02:38:13 GMT

7PM789 wrote:
Ok. In a hypothetical situation would G.E.C.R.B. issue two new cards within a short period of time regardless of which stores they are for?

Has anybody here done this before?

Yes. You can usually go 3-4 GE cards in a short period of time. After that, they'll start knocking back your applications immediately without even considering you.

Re: Walmart Discover

youngandcreditwrthy — Thu, 04 Oct 2012 03:00:31 GMT

I don't think you'd get the Walmart Discover... Prob just the Wmt Store Card. Seems like Sam's Club Discover is easier to get even though it's the same bank. You can try though...
And the Walmart Store Card can always be upgraded after a year or two of perfect history/usage.
I started with an $800 Wmt Store and now have a $5k Wmt Discover :-D

Love the free TU score, but it's up to you!

Re: Walmart Discover

7PM789 — Thu, 04 Oct 2012 03:01:55 GMT

Ok, thank you. These are the only cards they offer that appeal to me so I'm not worried about the 3-4 card threshold. I suppose that I'm just nervous because up until now I've always spaced everything out and never went on an "app spree" of any kind.

Re: Walmart Discover

calihlove75 — Thu, 04 Oct 2012 03:50:11 GMT

If the free fico is that important to you, I say just apply for it. You might get a low limit store version but it seems you want it for the Fico so that would not matter and GE is good with cli's. Heck, you might get the discover version. Who knows with them. I say just app.

Re: Walmart Discover

RyVision — Thu, 04 Oct 2012 07:19:52 GMT

OP;

Since you're not worried about your AAoA (as it's it's rather short anyway and you already have AMEX and won't take a huge hit for new apps), you may as well apply in store for the Wally card, you might get the WD, dunno, if you use it, they'll raise your limit. It's obvious you're not too worried about getting more credit afterward, just the score and then gardening. It is nice to get one of the more "accurate" scores every month for free, other than the "ding" in AAoA, IMHO.

Re: Walmart Discover

maiden_girl — Thu, 04 Oct 2012 07:25:49 GMT

RyVision wrote:
OP;

Since you're not worried about your AAoA (as it's it's rather short anyway and you already have AMEX and won't take a huge hit for new apps), you may as well apply in store for the Wally card, you might get the WD, dunno, if you use it, they'll raise your limit. It's obvious you're not too worried about getting more credit afterward, just the score and then gardening. It is nice to get one of the more "accurate" scores every month for free, other than the "ding" in AAoA, IMHO.

It doesn't really matter if the OP applies in-store or online...the decision will be the same. I know a lot of people feel they are more successful applying in the store...but the cashier is doing the same application you'd do at home with the "system" making the decision.

Re: Walmart Discover

RyVision — Thu, 04 Oct 2012 07:50:37 GMT

maiden_girl wrote:
RyVision wrote:
OP;

Since you're not worried about your AAoA (as it's it's rather short anyway and you already have AMEX and won't take a huge hit for new apps), you may as well apply in store for the Wally card, you might get the WD, dunno, if you use it, they'll raise your limit. It's obvious you're not too worried about getting more credit afterward, just the score and then gardening. It is nice to get one of the more "accurate" scores every month for free, other than the "ding" in AAoA, IMHO.
It doesn't really matter if the OP applies in-store or online...the decision will be the same. I know a lot of people feel they are more successful applying in the store...but the cashier is doing the same application you'd do at home with the "system" making the decision.

For the most part that's very true. Unless the system has an identity issue. There was a member here (may have been Ron or Ray, can't remember) with very good credit, scores, limits everything needed to get a stellar approval, couldn't get approved (I mentioned he may have had TOO good of credit for the online system, the kind others would love to "borrow" for online approval etc). I and others told him to apply in store. Others said it made no difference.

Guess what, he was approved in store when online would only come back with denials. In store always gives a somewhat better chance if there's any possibility something like that could be the issue, the cashier is doing something the online system can't, looking at ID at the time of application (usually LOL).

If there's a store nearby, why risk the extra HP over something minor in the online system?

Re: Walmart Discover

maiden_girl — Thu, 04 Oct 2012 09:30:50 GMT

RyVision wrote:
maiden_girl wrote:
RyVision wrote:
OP;

Since you're not worried about your AAoA (as it's it's rather short anyway and you already have AMEX and won't take a huge hit for new apps), you may as well apply in store for the Wally card, you might get the WD, dunno, if you use it, they'll raise your limit. It's obvious you're not too worried about getting more credit afterward, just the score and then gardening. It is nice to get one of the more "accurate" scores every month for free, other than the "ding" in AAoA, IMHO.
It doesn't really matter if the OP applies in-store or online...the decision will be the same. I know a lot of people feel they are more successful applying in the store...but the cashier is doing the same application you'd do at home with the "system" making the decision.

For the most part that's very true. Unless the system has an identity issue. There was a member here (may have been Ron or Ray, can't remember) with very good credit, scores, limits everything needed to get a stellar approval, couldn't get approved (I mentioned he may have had TOO good of credit for the online system, the kind others would love to "borrow" for online approval etc). I and others told him to apply in store. Others said it made no difference.

Guess what, he was approved in store when online would only come back with denials. In store always gives a somewhat better chance if there's any possibility something like that could be the issue, the cashier is doing something the online system can't, looking at ID at the time of application (usually LOL).

If there's a store nearby, why risk the extra HP over something minor in the online system?

LOL he better had gotten approved for the Discover version after all that trouble! :D That's weird tho. Usually if there's an identity issue or whatnot...the system doesn't deny you. They just keep your app "in process" when you really need to call after like 2 days to see what's going on with your app. That happened to me when I applied to Walmart. I didn't get the instant approval--I got that waiting message and when I called in like 4 days later to check on my app status...they told me I had to verify my identity before the account could be opened (app spree mishap) Ha.

Re: Walmart Discover

RyVision — Thu, 04 Oct 2012 08:21:29 GMT

maiden_girl wrote:
RyVision wrote:
For the most part that's very true. Unless the system has an identity issue. There was a member here (may have been Ron or Ray, can't remember) with very good credit, scores, limits everything needed to get a stellar approval, couldn't get approved (I mentioned he may have had TOO good of credit for the online system, the kind others would love to "borrow" for online approval etc). I and others told him to apply in store. Others said it made no difference.

Guess what, he was approved in store when online would only come back with denials. In store always gives a somewhat better chance if there's any possibility something like that could be the issue, the cashier is doing something the online system can't, looking at ID at the time of application (usually LOL).

If there's a store nearby, why risk the extra HP over something minor in the online system?
LOL he better had gotten approved for the Discover version after all that trouble! :D That's weird tho. Usually if there's an identity issue or whatnot...the system doesn't deny you. They just keep your app "in process" when you really need to call after like 2 days to see what's going on with your app. That happened to me when I applied to Walmart. I didn't get the instant approval--I got that waiting message and when I called in like 4 days letter to check on my app status...they told me I had to verify my identity before the account could be opened (app spree mishap) Ha.

I don't remember if they got the store or WD, I'm hoping they see this thread and chime in (it was an unexpected low limit but they just wanted it mostly for the score). Others have had similar problems which, to me, makes it enough of a worry that if I were going to apply for a store card I'd do so in store. Your situation I think is more common for delays online but as for out right denials, I won't risk the HP, though I'm not looking at any more store cards for now. I just have Kohls, BB and ..... well, just Kohls and BB, now that Wally switched me to WD this summer. :smileylol:

I thought PayPal Smart Connect was a "Store card" ("charge account" on reports) but on EQ it lists it as "credit card" so I guess not. Of course there's no "Store" to go "into" for that one :smileylol:

Re: Walmart Discover

youngandcreditwrthy — Thu, 04 Oct 2012 13:03:20 GMT

Agreed with RyVision... Or Ive seen people just approved online for $100 with directions to go to the store to get the full approval...
I got $800 with Wally World back in 2010 initially... Score was like 640'ish. Hhi at that time like $70k.
I app'ed in store with access to my full line!:-):-):-)

Re: Walmart Discover

7PM789 — Tue, 09 Oct 2012 18:52:04 GMT

I decided to apply online the other night and was given the 7-10 day notice. I called in today to check the status of my application and after verifying some information I was approved for the walmart Discover with a measly $1,600.00 limit. It's the lowest limit I have but I don't care because I got the Discover version and won't have to wait for an upgrade later not to mention I only want the free trans union score anyway. Now I just have to wait for it to come in the mail and set up the paperless statements. Garden here I come.