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Q about Walmart Discover

Frequent Contributor

Q about Walmart Discover

  1. Is this a GE card or a Discover card? It shows on my CR as GECRB/WALMART.
  2. If this is a GE card, will a good payment history with this card have any additional positive influence if I apply for a "real" Discover card on Discover.com?


09/30/2017 - EX 811 (Credit Scorecard EX FICO® Score 8, range 300-850)
11/20/2017 - TU 842 (Discover TU FICO® Score 8, range 300-850)
10/24/2017 - EQ 845 (Citi EQ FICO® Bankcard Score 8, range 250-900)
GOAL - 800! - App free since 11/22/2017
Message 1 of 7
6 REPLIES
Established Contributor

Re: Q about Walmart Discover

GE Discover is a GE card that runs through the Discover system is how I understand it. As far as if it will help with Discover in the future...I don't know.

TU Fico 714 | Sesame 742 | Credit Karma 762 | Wal-Mart FICO 734 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 13.1k | Citi Diamond Preferred 10.2k | CSP 5k | Bofa Cash 9k | Boa Travel 10k | Discover More 3k | Chase SW 5k | Wal-Mart 3.3k | Amazon 5k | Old Navy Visa 5k | Shell 1200 | BP 400 | VS 1500 | Sam's Discover 8.5k | FNBO Amex 16k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

App free since 12/11/13*
Message 2 of 7
Regular Contributor

Re: Q about Walmart Discover

Q2. No more or less influence than good history on another card.  The fact it is Discover does not increase its influence.

Message 3 of 7
Frequent Contributor

Re: Q about Walmart Discover

I think I found the answer to #1 in the small print. It's a GE card.

 

Discover®, Discover® Network and the Discover® Network Acceptance Mark are service marks used by GE Capital Retail Bank under license from Discover Financial Services.



09/30/2017 - EX 811 (Credit Scorecard EX FICO® Score 8, range 300-850)
11/20/2017 - TU 842 (Discover TU FICO® Score 8, range 300-850)
10/24/2017 - EQ 845 (Citi EQ FICO® Bankcard Score 8, range 250-900)
GOAL - 800! - App free since 11/22/2017
Message 4 of 7
Valued Contributor

Re: Q about Walmart Discover

Since it is a GE card, the Discover also feels the CLI love then, just like the store only card, I am assuming?

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Message 5 of 7
Valued Contributor

Re: Q about Walmart Discover

It's a GE card run throu Discover network.......samething with Capital One run throu Mster/Visa 

hope it's clear


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Message 6 of 7
Highlighted
Regular Contributor

Re: Q about Walmart Discover

the walmart card is managed through GECRB like everyone said. They have a license from discover network to use their logo on the Walmart Discover BUT the account is soley managed through GE. On my CR my sams discover shows up as  GECRB/SAMSDISC

 

Discover, I dont think looks at your credit report and says, "hey this person has a discover branded card... lets extend credit."  I do think they will see the tradeline and see the good history and see it as another positive account and base their decision on those factors and whatever other underwriting criteria they might have. I think the walmart card is a great card and GE is wonderful about CLI every 4 months and they have great 0% offers quite frequently. The real Discover is great as well. I like the quarterly 5% as well as shop discover where you can potentially earn up to 20% sometimes more on their bonus days.

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