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Valued Contributor
tntexans72
Posts: 1,070
Registered: ‎04-24-2008

Re: I just got my second card: approved for Walmart Discover for $2200

Nicely done....you are on your way!!

Established Member
Thorin
Posts: 44
Registered: ‎01-21-2012

Re: I just got my second card: approved for Walmart Discover for $2200


Sophiamarie wrote:

You applied for the store card and got the Discover card?


Applied in store for the store card since I really just wanted the TU score and figured that would give me the best chance of approval. When I called, I was told I was approved for the Discover.

In Wallet: $4500 USAA Amex, $1800 Chase Amazon, $1500 PenFed Visa
In Sock Drawer: $5200 Walmart Discover, $750 Crapital One Journey, $300 Target RedCard
Starting Score: 743 TU (Walmart)
Current Score: 743 EX 743 EQ 765 TU
Goal Score: 800
Senior Contributor
bichonmom
Posts: 3,300
Registered: ‎05-05-2011

Re: I just got my second card: approved for Walmart Discover for $2200


Thorin wrote:

Sophiamarie wrote:

You applied for the store card and got the Discover card?


Applied in store for the store card since I really just wanted the TU score and figured that would give me the best chance of approval. When I called, I was told I was approved for the Discover.


When you apply, they give you the Discover first, if you qualify for it. If you don't, then they consider you for the store card. So, you only get the store cc when you don't qualify for Discover. :smileyfrustrated:

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Valued Contributor
scottwagnon
Posts: 1,320
Registered: ‎02-07-2010

Re: I just got my second card: approved for Walmart Discover for $2200

all this luv and to think i just recently closed my wal. discover a week ago which had a 7k limit. sorry, but i just couldn't deal with the idea of a card with a 23% apr; and as much as i enjoy hanging out at walmart, i wont allow myself to shop there. i believe in shopping smaller if you can.

EX BankCard 8 FICO 801 (250-900) 03/08/14
TU FICO 795 (350-850) 03/10/14
EX VT 3.0 802 (300-850) TU VT 2.0 891 (501-990)
Credit.com score 797 (C is 300 - 850)
transrisk 772 03/29/14

see my card line up here: http://ficoforums.myfico.com/t5/Credit-Cards/How-Many-Credit-Cards-Do-YOU-have/m-p/1034512#M290859
Established Member
Thorin
Posts: 44
Registered: ‎01-21-2012

Re: I just got my second card: approved for Walmart Discover for $2200

[ Edited ]

bichonmom wrote:

When you apply, they give you the Discover first, if you qualify for it. If you don't, then they consider you for the store card. So, you only get the store cc when you don't qualify for Discover. :smileyfrustrated:


 Ah, okay.  That makes sense.

 


scottwagnon wrote:

all this luv and to think i just recently closed my wal. discover a week ago which had a 7k limit. sorry, but i just couldn't deal with the idea of a card with a 23% apr; and as much as i enjoy hanging out at walmart, i wont allow myself to shop there. i believe in shopping smaller if you can.


I don't intentionally shop at Walmart much, but I often find little stuff there that I need and can't get anywhere else nearby.  They've become my backup for stuff I can't wait to get online.

In Wallet: $4500 USAA Amex, $1800 Chase Amazon, $1500 PenFed Visa
In Sock Drawer: $5200 Walmart Discover, $750 Crapital One Journey, $300 Target RedCard
Starting Score: 743 TU (Walmart)
Current Score: 743 EX 743 EQ 765 TU
Goal Score: 800
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: I just got my second card: approved for Walmart Discover for $2200


Thorin wrote:

I just got my first credit card about 6 months ago with Capital One and this month it was bumped from a $500 CL to $750.  I paid it off in full and had no credit history otherwise.

 

Tonight I had to go into Wal-mart to pick up some stuff after everything else was closed and decided to try for the non-Discover Walmart card again (I was denied about 8 months ago for no credit history).  I wasn't sure what to expect, but I figured if I was denied I could always use it as an excuse to look up my credit reports early and see what was going on.

 

I ended up not being able to do it in my store because the social was entered wrong and I had to call up.  When I called up, I went through 2 holds of about 4 minutes each and answering a couple of those generic questions (Did you have a mortgage at such and such a time) I had to wait again for a decision.  By the time, I was expecting the worst.  The woman came back on the phone and told me I was approved for $2,200 :smileyvery-happy: :smileyvery-happy: :smileyvery-happy:

 

I was really astonished, I've seen other threads where people with a much better credit score than I have were approved for only a $600 CL.  I'm not complaining, just very surprised :manlol:


wtg!! congrats!




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
Established Contributor
frogfan12
Posts: 872
Registered: ‎10-16-2010

Re: I just got my second card: approved for Walmart Discover for $2200

Super congrats to you! I want to apply for the WM Discover but I'm probably going to wait until summer and let my new cards age a bit. 


Starting Score: 760
Current Score: 716 Equifax 754 TU 736 Experian
Goal Score: 760
Established Member
Thorin
Posts: 44
Registered: ‎01-21-2012

Re: I just got my second card: approved for Walmart Discover for $2200

Thanks everyone!

frogfan12 wrote:

Super congrats to you! I want to apply for the WM Discover but I'm probably going to wait until summer and let my new cards age a bit. 



Not sure what your AAoA is, but mine was only about 6-7 months.  

In Wallet: $4500 USAA Amex, $1800 Chase Amazon, $1500 PenFed Visa
In Sock Drawer: $5200 Walmart Discover, $750 Crapital One Journey, $300 Target RedCard
Starting Score: 743 TU (Walmart)
Current Score: 743 EX 743 EQ 765 TU
Goal Score: 800
Valued Member
liandur
Posts: 46
Registered: ‎08-27-2012

Re: I just got my second card: approved for Walmart Discover for $2200

[ Edited ]

Hard or soft pull for cli by phone GECRB HH GREGG?

 

UPDATE: hard pull Experian auto approval by phone request...


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