@CodyAB31 wrote:Whats the difference in the Wally Fico and the Discover Fico? Havent got my discover statement this month yet....
Well not sure; one member suggested there was a 20 point swing between his Discover and Wally/Barclay's (which we know to be FICO '08 baseline) and I believe someone else posted 300-850 score range which AFAIK rules out Bankcard-enhanced (possibly 250-900 for all FICO '08 versions, have to find someone with Merrick score to be sure).
Least as of this morning we're still trying to figure it out, and pretty much everyone that I'm aware of us hoping it's the elusive TU'04 score.
lol Walmart is about the only place I shop, no need for it to hit the fan 
On the other side, walmart has about everything, so as you said it can be a card with a wide range of uses, I look forward to getting one for the CS and the actual use lol
@Startome wrote:lol Walmart is about the only place I shop, no need for it to hit the fan
On the other side, walmart has about everything, so as you said it can be a card with a wide range of uses, I look forward to getting one for the CS and the actual use lol
Hah, yeah; I don't have a Walmart terribly close to me and don't often shop there (admittedly there's always their online store), but things have gone sideways in my life before financially and they might again. Even my $1600 leaves me able to buy food for a non-trivial amount of time if needed, and likely by the time it would be required, GE's CLI policy will have it somewhere around the 5K mark or higher if I aggressively chase it but I'd admittedly rather be spending time accruing limits for what I define as higher quality tradelines.
I've realized I need multiple financially defensible options: while aggregate CL for float helps, and a low APR balance-carrying card is ideal, there are select cards which just plain useful in awkward situations for just about anyone and I'd suggest the Wally card is one of those. Guess I've simply had too many brushes with financial non-existence to not pass up an available parachute. Also if the turd really lands in the punchbowl, I suspect Amex/Chase would drop me before GE.
That makes a lot of sense to me,
@Revelate wrote:
@Startome wrote:lol Walmart is about the only place I shop, no need for it to hit the fan
On the other side, walmart has about everything, so as you said it can be a card with a wide range of uses, I look forward to getting one for the CS and the actual use lol
Hah, yeah; I don't have a Walmart terribly close to me and don't often shop there (admittedly there's always their online store), but things have gone sideways in my life before financially and they might again. Even my $1600 leaves me able to buy food for a non-trivial amount of time if needed, and likely by the time it would be required, GE's CLI policy will have it somewhere around the 5K mark or higher if I aggressively chase it but I'd admittedly rather be spending time accruing limits for what I define as higher quality tradelines.
I've realized I need multiple financially defensible options: while aggregate CL for float helps, and a low APR balance-carrying card is ideal, there are select cards which just plain useful in awkward situations for just about anyone and I'd suggest the Wally card is one of those. Guess I've simply had too many brushes with financial non-existence to not pass up an available parachute. Also if the turd really lands in the punchbowl, I suspect Amex/Chase would drop me before GE.
+1
