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Walmart Discover approved but

Established Contributor

Walmart Discover approved but

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?

100% Ficos: EX 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
Message 1 of 32
31 REPLIES
Super Contributor

Re: I am mad at myself. Walmart application

I think everyone gets the same APR, that is how its listed on the T&Cs. All store cards have high APRs 

Message 2 of 32
Valued Contributor

Re: I am mad at myself. Walmart application

22.90% APR is for all applicants, regardless of your credit worthiness. You can't lower it.

Message 3 of 32
Established Contributor

Re: I am mad at myself. Walmart application


jsucool76 wrote:

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.

100% Ficos: EX 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
Message 4 of 32
Mega Contributor

Re: Walmart Discover approved but

CONGRATS!!

decent starting limit too! Smiley Happy



EQ FICO 548 3/3/16
Message 5 of 32
Moderator Emeritus

Re: Walmart Discover approved but

Congrats! Nice limit; nice card!

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Message 6 of 32
Moderator Emeritus

Re: Walmart Discover approved but

Congrats!!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 7 of 32
Established Contributor

Re: Walmart Discover approved but

Congrats

Message 8 of 32
Established Contributor

Re: Walmart Discover approved but

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. :-)


Starting Score: TU: 566
Current Score: TU: 741 (Discover FICO); EQ: 755 (MyFico) EX: 774 (FAKO)
Goal Score: 800

Take the FICO Fitness Challenge
Message 9 of 32
Regular Contributor

Re: Walmart Discover approved but

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

  • Experian - 613
  • Equifax - 625
  • TransUnion - 661
  • do you think I'd be approved for the Wal-Mart Discover card?
Message 10 of 32