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Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: Approved for Walmart Discover


cowboyguy wrote:

I was gardening & had no intentions of applying for this card. My goal was to garden as much as I can & maximize my chances of getting approved for very high initial limit cards. I have SW at $8,500, Freedom at $7,000 & very soon my Amex Delta will be $9,000.

 

I was actually ordering something on walmart's website & when it gave me an option to apply for this card and get $20 back, I couldn't resist the temptation. I got approved instantly with $1,800.

 

I have absolutely no idea if it is a good card & I'm feeling too lazy to go through the entire threads. Just have a few questions at this time:

 

1) Is this a good initial CL for Walmart Discover card?

 

2) Does this card grow with time? Do they do CLIs? If yes, are they SP or HP?

 

3) Besides free monthly TU FICO score, is there any other major advantage of this card?


$20 got you out of the garden????

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: Approved for Walmart Discover


solstice00 wrote:

If you call will they do a hard inquiry on your report.

Its been a couple of weeks since I got my card and my score has jumped a lot since then. I don't want them to use the original report that they had pulled.


No, its a SP manual review on your TU file.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Senior Contributor
youngandcreditwrthy
Posts: 6,137
Registered: ‎08-16-2012

Re: Approved for Walmart Discover

They absolutely will NOT hard pull your credit.

They will soft it when you request it..
It will appear in the soft inquiry section of your CR as "gecrb generic" or something like that.
They have NEVER hard pulled me, EVER.
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k | Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Regular Contributor
solstice00
Posts: 153
Registered: ‎03-09-2013

Re: Approved for Walmart Discover

I already asked once.

Do you think I should call again?

I hope they dont have notes written that this guy already calle dabout it on this this date.



"Its your AAoA, Sir. It seems, Sir, that it is so short that i dont think it would hurt for it to get a little shorter"
Senior Contributor
youngandcreditwrthy
Posts: 6,137
Registered: ‎08-16-2012

Re: Approved for Walmart Discover

They def take notes :-/
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k | Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Regular Contributor
cowboyguy
Posts: 197
Registered: ‎07-26-2012

Re: Approved for Walmart Discover

[ Edited ]

Just wanted to thank youngandcreditwrthy here...

 

I called them in to request for a CLI. They said that I should call after I receive the card. I called them in again right after I received the card & requested for a CLI.

 

They asked me how much do I want. I said 10k. They put on me on hold for 5 minutes & guess what... approved for $10k... My highest limit ever!

 

So after just 13 months of credit history, my total limit is $32,000... Thanks to myfico & many helpful posters on here!

Walmart Discover $10,000... Chase SW $8,500... Freedom $7,000... CSP $6,000... Amex Delta $3,000... Amex BCP $2,000... Local CU $1,500...
Established Contributor
TNTransplant
Posts: 772
Registered: ‎01-03-2012

Re: Approved for Walmart Discover


cowboyguy wrote:

Just wanted to thank youngandcreditwrthy here...

 

I called them in to request for a CLI. They said that I should call after I receive the card. I called them in again right after I received the card & requested for a CLI.

 

They asked me how much do I want. I said 10k. They put on me on hold for 5 minutes & guess what... approved for $10k... My highest limit ever!

 

So after just 13 months of credit history, my total limit is $32,000... Thanks to myfico & many helpful posters on here!


That's awesome.  Congrats on the successful recon.  :smileyhappy:

 

And another benefit that's not been mentioned is that right now if you use your WM Discover at Walmart gas stations (Murphy), you'll get 15 cents off per gallon of gas through some time in June/July - that works out to about 4% cash back at current prices.


Starting Score: Jan 2012: EQ - 659, TU08 - 670, EX - ???
Current Score:April 2014: EQ - 772, TU08 - 782, EX - 754
Last App:3/21/14

Senior Contributor
Ron1
Posts: 4,624
Registered: ‎05-23-2009

Re: Approved for Walmart Discover

Congrats!!!! :smileyhappy:

 

I think it started out $2500. Now I'm at $7500.

 

 

Ron.


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