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

Valued Contributor

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

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

Message 11 of 19
Valued Member

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.

sIn Wallet: $4500 USAA Amex, $3300 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: 762 EX 744 EQ 762 TU
Goal Score: 800
Message 12 of 19
Senior Contributor

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. Smiley Frustrated

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

Message 13 of 19
Valued Contributor

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.

Message 14 of 19
Valued Member

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


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. Smiley Frustrated


 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.

sIn Wallet: $4500 USAA Amex, $3300 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: 762 EX 744 EQ 762 TU
Goal Score: 800
Message 15 of 19
Mega Contributor

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 Smiley Very Happy Smiley Very Happy Smiley Very 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 Man LOL


wtg!! congrats!




EQ FICO 548 3/3/16
Message 16 of 19
Established Contributor

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
Message 17 of 19
Valued Member

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.  

sIn Wallet: $4500 USAA Amex, $3300 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: 762 EX 744 EQ 762 TU
Goal Score: 800
Message 18 of 19
Valued Member

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

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

 

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

Message 19 of 19