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Established Contributor
Posts: 619
Registered: ‎09-26-2011
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WalMart Discover 7-10 days?

After my recent app success, I decided to try for WalMart Discover (we have a WalMart gas station near my house, plus the free TU score).  I apped online and got the 7-10 day message.  I called today, answered some questions and STILL was told 7-10 days as it has to go for "further review".  WTHeck?  She was all antsy because I didn't have a phone number in my name.  I explained that I only use a cell (billed in my name), but don't have a landline which seemed to throw her off.


Did I push the app spree fairies too far? Smiley Sad

Starting Score: 10/1/2011 EQ 568 TU 593
Current Score: EQ 664 TU 700 EX 701 (FAKO)

Valued Contributor
Posts: 1,772
Registered: ‎10-28-2011
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Re: WalMart Discover 7-10 days?

I absolutely hate the wait message. When I app I want an answer yes or no! Lol

I don't think you can flat out app for the discover version can you? I believe you app for the card and the system determines if your worthy of the discover version. Someone correct me if I'm wrong please.
NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Regular Contributor
Posts: 217
Registered: ‎09-25-2012
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Re: WalMart Discover 7-10 days?

Yea, if you are applying online (I'm not sure in person) then you are applying for both the store card and discover, but the system will determine which you are approved for.  They probably just need to verify some info. Have you checked your CR lately? Give them a call again tomorrow to find out the status.

TU 746 (10/13)
GOAL: 750+

Valued Contributor
Posts: 2,118
Registered: ‎12-29-2011
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Re: WalMart Discover 7-10 days?

[ Edited ]



You probably called too soon for recon! I'd call again tomorrow!

As of 2017, rebuilding...
Established Contributor
Posts: 2,112
Registered: ‎09-25-2011
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Re: WalMart Discover 7-10 days?

with store cards it usuually get a better limit if your at the store

total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Posts: 144
Registered: ‎05-23-2011
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Re: WalMart Discover 7-10 days?

I got 7-10 day message last night. I'll b calling them today.

Starting Score: 585
Current Score: TU 734 Walmart EQ 704 FICO EX 721
Goal Score: 750 Across the board

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Valued Contributor
Posts: 2,802
Registered: ‎10-10-2012
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Re: WalMart Discover 7-10 days?

Keep us posted! I am looking at getting the walmart card too.

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Established Contributor
Posts: 1,837
Registered: ‎08-20-2012
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Re: WalMart Discover 7-10 days?

Good Luck

Senior Contributor
Posts: 6,279
Registered: ‎08-16-2012
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Re: WalMart Discover 7-10 days?

Do you have a fraud alert on any of your CRs ?? A lot of times if you have a fraud alert on your reports, they will try to verify the number on the report? Maybe there's an old phone number or something?? This is why I get annoyed with creditors trying to verify stuff from reports because, as we all know, credit reports can def'ly contain inaccuracies :-/
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Valued Contributor
Posts: 1,228
Registered: ‎05-10-2012
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Re: WalMart Discover 7-10 days?

When I applied online last week I got the 7-10 and recon'd immediately.  Turned out I also had to answer the further verification questions. I don't have a landline either, I can't imagine that being an issue in 2012. I was approved at 600 for the store card FYI

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600

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