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Walmart Discover question--Update Approved-- CLI success

Valued Contributor

Re: Walmart Discover question

GE cards tend to carry a high interest rate


Last Pulled EQ: 809
Last Credit Card App: 02/05/2016
Last CLI: 02/06/2016
Find Me: Gardening
Message 11 of 40
Established Contributor

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

Take the FICO Fitness Challenge
Message 12 of 40
Frequent Contributor

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

Obsolete data &colonSmiley Wink Current TU - probably around ~750. I am now applying only for cards I can have fat sign-up bonuses on, repay them right away and close before next year. That's why BKLSBNKDELAWARE probably blacklisted me long ago, LOL...
Message 13 of 40
Senior Contributor

Re: Walmart Discover question

TU for me in Texas!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 14 of 40
Senior Contributor

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| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 15 of 40
Valued Contributor

Re: Walmart Discover question


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: ||7.5k|| Citi TYP World MC: ||12k|| Barclays Arrival World MC: ||13k||Citi Double Cash World MC ||25k||Sallie Mae World MC ||18.8k||Fico Scores (3 Fico Monitoring): EQ 751,TU 749, EX 743. Last app: 9-12-14 Sallie
Message 16 of 40
Senior Contributor

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| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 17 of 40
Valued Contributor

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: ||7.5k|| Citi TYP World MC: ||12k|| Barclays Arrival World MC: ||13k||Citi Double Cash World MC ||25k||Sallie Mae World MC ||18.8k||Fico Scores (3 Fico Monitoring): EQ 751,TU 749, EX 743. Last app: 9-12-14 Sallie
Message 18 of 40
Senior Contributor

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| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 19 of 40
Valued Contributor

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: ||7.5k|| Citi TYP World MC: ||12k|| Barclays Arrival World MC: ||13k||Citi Double Cash World MC ||25k||Sallie Mae World MC ||18.8k||Fico Scores (3 Fico Monitoring): EQ 751,TU 749, EX 743. Last app: 9-12-14 Sallie
Message 20 of 40