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Established Contributor
calihlove75
Posts: 709
Registered: ‎05-16-2012

Walmart Discover approved but

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‎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?

100% Ficos: EX 751, TU 731, Walmart TU fico 740, EQ 741
Inquiries last 2 years/1 year/6 months: EX-7/3/0, TU- 11/6/1, EQ-3/1/0~ app free since 11/23/12
Kohls $600~Amex BCE $2000~ Walmart Discover $6000~NFCU Signature CashRewards $9000~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $450~ Amazon Store $7000~ Fingerhut $1350
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Valued Contributor
jsucool76
Posts: 2,616
Registered: ‎12-11-2011

Re: I am mad at myself. Walmart application

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‎09-15-2012 06:12 PM

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

Wallet: Capital One Cash Rewards 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 1286CL, Walmart: 1300CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 1000CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL
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Valued Contributor
trumpet-205
Posts: 1,909
Registered: ‎11-11-2010

Re: I am mad at myself. Walmart application

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‎09-15-2012 06:24 PM

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

In My Wallet:
Citi Forward (12/2010) | Citi TY Preferred (05/2011) | BofA Travel Rewards (07/2011) | Chase Freedom (11/2011)
GECRB/PayPal (05/2012) | Discover it (07/2012) | US Bank Cash Reward (08/2012) | AMEX BCE (09/2012)
Target (10/2012) | Chase Ink Classic (11/2012) | BofA Balance Rewards (04/2013)
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Established Contributor
calihlove75
Posts: 709
Registered: ‎05-16-2012

Re: I am mad at myself. Walmart application

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‎09-15-2012 06:33 PM

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 751, TU 731, Walmart TU fico 740, EQ 741
Inquiries last 2 years/1 year/6 months: EX-7/3/0, TU- 11/6/1, EQ-3/1/0~ app free since 11/23/12
Kohls $600~Amex BCE $2000~ Walmart Discover $6000~NFCU Signature CashRewards $9000~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $450~ Amazon Store $7000~ Fingerhut $1350
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Mega Contributor
LS2982
Posts: 14,336
Registered: ‎04-09-2011

Re: Walmart Discover approved but

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‎09-15-2012 06:40 PM

CONGRATS!!

decent starting limit too! :smileyhappy:


Silver Spade Garden Club Member - Last App 1/6/13 - No Apps until 1/7/2015 / Diamond Inspired!
Starting Score: EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 689 / EQ FICO 659 / TU08 FICO 702 / TU98 FICO 672 / TU VS 721 5/16/2013
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webhopper
Posts: 6,579
Registered: ‎09-16-2011

Re: Walmart Discover approved but

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‎09-15-2012 07:38 PM

Congrats! Nice limit; nice card!
Starting Score: 08/29/2011 TU 671 EQ 674
Current Score (myFico + Amex): April 2013 TU 754 EQ 694 EX 694
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Silver Spade Garden Club Member: App Free since 1/1/13. No more apps til 2014
MyFICO Fitness Goal: 800s Club!


Take the myFICO Fitness Challenge
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Shogun
Posts: 7,354
Registered: ‎04-15-2011

Re: Walmart Discover approved but

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‎09-15-2012 08:06 PM

Congrats!!

Starting Score: 504

Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
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Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012

Re: Walmart Discover approved but

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‎09-16-2012 05:21 AM

Congrats

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Established Contributor
lithium78
Posts: 750
Registered: ‎07-30-2011

Re: Walmart Discover approved but

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‎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. :-)

Starting Score: TU: 566
Current Score: TU: 729 (Walmart FICO); EQ: 754 (MyFico) EX: 776 (FAKO)
Goal Score: 800
Take the FICO Fitness Challenge
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brindle26
Posts: 69
Registered: ‎08-15-2012

Re: Walmart Discover approved but

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‎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

  • Experian - 613
  • Equifax - 625
  • TransUnion - 661
  • do you think I'd be approved for the Wal-Mart Discover card?
Starting Score: 593
Current Score: FICO WF Pull 654 CreditInform 647 WalMart TU 648
Goal Score: 750
Wells Fargo $300.00 Applied Bank $200.00 CapOne $400.00 Wal Mart $600.00
Gardening till 8/2014

Take the myFICO Fitness Challenge

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