09-15-2012 06:11 PM - edited 09-15-2012 06:32 PM
I am supposed to be laying off applications but after 3 months of filling out the Walmart application and not submitting, today I hit submit ;( I was approved for the walmart discover, starting limit is $2000 but my APR 22.9%? Should I call recon to lower APR and maybe increase limit?
09-15-2012 06:24 PM
22.90% APR is for all applicants, regardless of your credit worthiness. You can't lower it.
09-15-2012 06:33 PM
I think everyone gets the same APR, that is how its listed on the T&Cs. All store cards have high APRs
Okay, I just figured the the discover version might have a lower rate. No problem, at least it has the free fico. Hopefully it will have special financing around the holiday.I have the amazon store account and I love the 6 month no interest deals.
09-15-2012 07:38 PM
09-15-2012 08:06 PM
09-16-2012 06:23 AM
Congrats on the Walmart Discover! 22.9% is the only rate they offer for that card. Enjoy the free TU FICO every month and the financing for Christmas presents. :-)
09-16-2012 06:36 AM
I have a Wells Fargo secured card $300.00 (7-1-2012) and then in Aug. got an Applied secured card $200.00 .
With these scores
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.