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Valued Member
Thorin
Posts: 45
Registered: ‎01-21-2012
0

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

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:

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
Frequent Contributor
nwokcguy
Posts: 351
Registered: ‎01-07-2012
0

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

Nice! Congratulations!!


| EQ 763 |
| Amex BCE 7500 | Marriott Rewards Premier 5500 | Citi Simplicity 4000 | Discover IT 1700 |

Senior Contributor
bichonmom
Posts: 3,318
Registered: ‎05-05-2011
0

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

Wow! Congrats! That's amazing for your second CC! :smileysurprised: They've been giving some nice CLIs this week, but still that's an incredible CL! My TU is 779 and they just increased me from a measly $300 to $1k, which I thought was great. 

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
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!

Regular Contributor
RTOrockstar
Posts: 232
Registered: ‎02-02-2012
0

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

That's awesome! It's about time for me to get a second card and I was considering Walmart. We'll see. Be another 2 months before I app again.
Wallet:
CapOne QuicksilverOne $500/VS $700/Express $500/Walmart $2000/Old Navy $600/SC Telco Visa $1K/HH Gregg $1500/Target REDcard $200



Established Contributor
corymcd88
Posts: 889
Registered: ‎12-12-2011
0

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:


That is why i like GE Capital! Im very happy for you!
Walmart / SYNCB - 4,500/7,500 | JCP MasterCard / SYNCB - 4,000 | Dillard's / SYNCB - 5,000 | Amazon / SYNCB - 1,500 | Chevron / SYNCB - 1,000 | Belk / SYNCB - 3,000 | Aeromexico Visa / US Bank - 300 | Capital One - 500/1,700 | Bank Of America 123 Cash Back - 2,500 | Wells Fargo - 300 |AMEX ZYNC - NPSL | AMEX Hilton HHonours - 2,000 | USAA AMEX - 250 | PenFed Platinum Rewards Visa Signature - 18,400 | PenFed Travel Rewards AMEX - 5,000.
Senior Contributor
score_building
Posts: 3,551
Registered: ‎01-10-2008
0

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

Yep, you done good! Congrats!

Impressive starting limit on a Walmart card.

 

On a side note, no more online luv button, GECRB now requires telephonic requests for customer initiated CLI on their cc products.

 

Apparently some card holders overused the CLI link and they finally pulled the plug on it to reduce costs from the steady stream of denial letters being generated by luv button overuse; presumably with the idea that more clunky telephonic requirement may stem the flow of frivolous requests somewhat.

 

Requests placed more than once every four months are pointless based on the eligibility requirement for CLI they've had in place, in any case.

FICOS:
06/13 EX 765 (PSECU) EQ 771 (DCU) TU 779 (Barclays)
Valued Member
Thorin
Posts: 45
Registered: ‎01-21-2012
0

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


score_building wrote:

Yep, you done good! Congrats!

Impressive starting limit on a Walmart card.

 

On a side note, no more online luv button, GECRB now requires telephonic requests for customer initiated CLI on their cc products.

 

Apparently some card holders overused the CLI link and they finally pulled the plug on it to reduce costs from the steady stream of denial letters being generated by luv button overuse; presumably with the idea that more clunky telephonic requirement may stem the flow of frivolous requests somewhat.

 

Requests placed more than once every four months are pointless based on the eligibility requirement for CLI they've had in place, in any case.


That's how it always is, eh?  People ruining it for the rest of us.

 

Do they do a soft pull or a hard pull on those CLIs?

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
Regular Contributor
credithappy
Posts: 153
Registered: ‎07-25-2008
0

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

Congratulation to you on your WMD card. 👍
Amex ZYNC - Amex BCP - Amex Mercedes-Benz - Amex PRG - Amex TrueEarnings - Emigrant Direct Visa - Xcel FCU Visa - Walmart Discover - Sam's Club Discover - Macy's - Bloomingdales - Nordstrom - Sam's Club CC - Discover IT and US Bank Visa FlexPerks, CitiHHonors Sig Visa - NAVcheck, NAVcashRewards Sig Visa, NAVgoRewards MC, Chase Amazon VISA and BoA CashRewards VISA
Established Contributor
UpNComing
Posts: 684
Registered: ‎05-02-2008
0

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

Wow Congrats!

CSP ($5k); Chase MileagePlus Explorer Visa Sig. ($6k); Chase Freedom Visa Sig. ($6k); BankAmericard Cash Rewards Visa Sig. ($5k); Amex PRG (NPSL); Amex BCE ($1k); Citi Thank You ($5.4k); Barclay Apple ($4.2k) CapOne Cash ($2.5k) CapOne Platinum ($2.5k) Wells Fargo Home Project Visa ($10.3k) Discover IT ($1.5k) WalMart ($3k); Lowes ($3k); Amazon ($5k); Kohls($1.5k)

Scores: Equ Fico 715 ~ Exp 724 ~ TU Fico 682
New Contributor
Sophiamarie
Posts: 68
Registered: ‎04-19-2011
0

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

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


EXP 725 (Amex) EQ 678 TU 735

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