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Valued Contributor
chnceit
Posts: 1,524
Registered: ‎08-17-2008
0

Re: Walmart Discover question

GE cards tend to carry a high interest rate


$100K in Credit
Last Credit Card App: 11/16/13
Established Contributor
tennisfan78
Posts: 629
Registered: ‎09-18-2011
0

Re: Walmart Discover question

 

When applying, does it give an opportunity to choose which card one is applying for? or does the system approve either Discover or regular store card based on the credit score?

 

 


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

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Frequent Contributor
mikka1
Posts: 269
Registered: ‎12-28-2011
0

Re: Walmart Discover question

The system tries to qualify you for Discover version of the card first. If you can't be approved for Discover version, system tries to qualify you for store version of the card. If you can't qualify for neither of them, you get declined. AFAIK, you can't choose a specific version of this card by yourself.

 

In my wallet now: Amex PRG NPSL, Amex BCE $15k $17k (thanks to recent CLI), Chase Freedom 11k, CSP $6k, Chase United ME $5k, Citi Dividend $5.6k, Discover It $4.5k and a handful of other cards...
TU Dec 2013 - 752Sep 2013 - 764 - new all time maximum
Senior Contributor
youngandcreditwrthy
Posts: 6,204
Registered: ‎08-16-2012
0

Re: Walmart Discover question

TU for me in Texas!
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| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Senior Contributor
youngandcreditwrthy
Posts: 6,204
Registered: ‎08-16-2012
0

Re: Walmart Discover question

Yeah, GE is typically NOT flexible with interest rates! BUT this card does have 0% offers with min spend requirements allllll the time!
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| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Valued Contributor
Swapmeet
Posts: 1,525
Registered: ‎11-10-2012
0

Re: Walmart Discover question

[ Edited ]

youngandcreditwrthy wrote:
Yeah, GE is typically NOT flexible with interest rates! BUT this card does have 0% offers with min spend requirements allllll the time!


They were having 0% for twelve months on any electronics purchase over 500 bucks, or something like that--so I bought a new LG 3D LED TV. It is awesome. But I paid it off after 3 days so that I could use my card again...lol.



My Wallet:
WalMart: ||15k|| USAA Platinum MC: ||26k|| BCE: ||9k|| Chase Freedom Siggy: ||10k|| Discover it: ||6.5k|| SG Visa: ||11k||
USAA World MC: ||23k|| US Bank Cash+ Siggy: ||5k|| Citi TYP World MC: ||10.5k|| Barclays Arrival World MC: ||10k||
Fico Scores (3 Fico Monitoring): EQ 748,TU 749, EX 749. Last app: 8-15-14 USAA CLI
Senior Contributor
youngandcreditwrthy
Posts: 6,204
Registered: ‎08-16-2012
0

Re: Walmart Discover question

Haha! I actually bought my tv for like $300+
And got 0% for twelve months too!!!! My Walmart card used to stay maxed out with electronics at 0% !! Haha :-) Mine is an LG too, but not LED :-P
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| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Valued Contributor
Swapmeet
Posts: 1,525
Registered: ‎11-10-2012
0

Re: Walmart Discover question

lol, no matter what the product, the fact is that GE throws the 0% for 12 months offer down on the regular!



My Wallet:
WalMart: ||15k|| USAA Platinum MC: ||26k|| BCE: ||9k|| Chase Freedom Siggy: ||10k|| Discover it: ||6.5k|| SG Visa: ||11k||
USAA World MC: ||23k|| US Bank Cash+ Siggy: ||5k|| Citi TYP World MC: ||10.5k|| Barclays Arrival World MC: ||10k||
Fico Scores (3 Fico Monitoring): EQ 748,TU 749, EX 749. Last app: 8-15-14 USAA CLI
Senior Contributor
youngandcreditwrthy
Posts: 6,204
Registered: ‎08-16-2012
0

Re: Walmart Discover question

Exactly... I remember Xmas of 2011, they did 0% on like all purchases for six months through Xmas in the month of Dec.!!! Haha I def'ly just bought a lot of random useful stuff!
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| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Valued Contributor
Swapmeet
Posts: 1,525
Registered: ‎11-10-2012
0

Re: Walmart Discover question

lol...I got my card in Nov, and have been denied for a cli 3 times. Once after each time I paid it off. I am just going to wait until my fourth statement cuts now. I also hit the luv button like 5 times, but it says that I my account is not eligible for an online limit increase. I figure it's a sp, so f-it. What's the worst that can happen?



My Wallet:
WalMart: ||15k|| USAA Platinum MC: ||26k|| BCE: ||9k|| Chase Freedom Siggy: ||10k|| Discover it: ||6.5k|| SG Visa: ||11k||
USAA World MC: ||23k|| US Bank Cash+ Siggy: ||5k|| Citi TYP World MC: ||10.5k|| Barclays Arrival World MC: ||10k||
Fico Scores (3 Fico Monitoring): EQ 748,TU 749, EX 749. Last app: 8-15-14 USAA CLI

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