Reply
Established Contributor
lithium78
Posts: 928
Registered: ‎07-30-2011

Re: Walmart Discover approved but


brindle26 wrote:

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?

Walmart pulls TU so it's possible.  Do you have any baddies?  Also, if they offered you the Walmart store card, would that be an issue?


Starting Score: TU: 566
Current Score: TU: 736 (Walmart FICO); EQ: 755 (MyFico) EX: 774 (FAKO)
Goal Score: 800

Take the FICO Fitness Challenge
Regular Contributor
brindle26
Posts: 191
Registered: ‎08-15-2012

Re: Walmart Discover approved but

Yes I do. My credit report isn't very good. Everything on it is 12 years old or more except  Midland which I'm paying every month.

Last month my scores were between 584 and 595.

Was thinking of applying for the Wal Mart card middle of November.

Established Contributor
gettnthere
Posts: 912
Registered: ‎06-14-2012

Re: Walmart Discover approved but

i doubt you would be approved for the discover version but you would definitely be a good candidate for the regular walmart card. i applied last month for the GE walmart card hoping to get the discover version but i only got the regular card and my TU Fico was about a 711. I think they want high scores and good long history to get the discover version.



Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 :smileywink:
Regular Contributor
brindle26
Posts: 191
Registered: ‎08-15-2012

Re: Walmart Discover approved but

I don't want to risk the ding for a hard pull, so think it wise for me to stay away from this one for now.

Thank you

Established Contributor
JonStur
Posts: 900
Registered: ‎12-25-2010

Re: Walmart Discover approved but


brindle26 wrote:

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?

They generally approve people who's scores are close to someone getting approval for a regular Discover Card ( @700 ish score, no recent baddies, etc). They'll probably offer you the regular card, but I've seen stranger things happen!!!


Starting Score: TU 686 EX 641 EQ 690
Current Score: TU 779 EX 767 EQ 740
Goal Score: 800 Club

BCE $12.5K, 5/3 Sig $10K, Wally Discover 10K, Cash+ $9K Sam's Discover 10K, Freedom $6K, Zales $5.5K, More $5K, Cap one $5K, Barclay 2.5K, Household Plat $1.5K, Household Gold $1.5K, Credit One $1K, First Premier Plat $.675K First Premier Gold $.65K
Super Contributor
CS800
Posts: 6,542
Registered: ‎04-07-2008

Re: Walmart Discover approved but

Thants a great CL. I hope to get the upgrade to a Discover sometimes :smileyhappy:






Regular Contributor
XxRaVeNxX
Posts: 201
Registered: ‎08-19-2012

Re: I am mad at myself. Walmart application


calihlove75 wrote:

Okay, I just figured the the discover version might have a lower rate.


I'd figure as many cards as you have...you would start reading the fine print, and see what APR is on the cards that you apply for, and not just assume...

Chase Southwest $5000 - November 2012 Wal Mart $1000 - November 2012 NFCU Visa $5,000 - Sept 2012 NFCU NavCheck $3,000 - October 2012 Amazon $900 - Aug 2012 Kay's Jewlery $2700 - Aug 2012 Buckle $250 (Shopping cart trick) - October 2012 Roaman's $250 (Shopping cart trick) - October 2012 Capital One Secured $225 - April 2012 Capital One Platinum $2500 - July 2012
Established Contributor
calihlove75
Posts: 786
Registered: ‎05-16-2012

Re: I am mad at myself. Walmart application


XxRaVeNxX wrote:

calihlove75 wrote:

Okay, I just figured the the discover version might have a lower rate.


I'd figure as many cards as you have...you would start reading the fine print, and see what APR is on the cards that you apply for, and not just assume...


Well we cannot all be perfect like you! I went by the advertisement they sent me for the 18 month financing for the electronic purchase. It states and I quote, “Regular credit terms apply to non-promotional purchases and after promotion ends to promotional purchases. For new accounts: Variable purchase APR is 16.90%, 19.90% or 22.90%”. So you see I didn't just come up with the hope of a lower APR out of thin air!!! BTW, I only have 7 CC.

 

 

 

100% Ficos: EX 753, TU 743, Walmart TU fico 749, EQ 739 Inquiries last 1 year/6 months: EX-0/0, TU- 0/0, EQ-2/1~ last credit card app 6/24/13- New car loan 3/8/2014
Discover IT $8000~Kohls $1000~Amex BCE $2000~ Walmart Discover $7500~NFCU Signature CashRewards $12,100~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $2500~ Amazon Store $7000~ Fingerhut $1350
Super Contributor
CS800
Posts: 6,542
Registered: ‎04-07-2008

Re: I am mad at myself. Walmart application

I wonder if the Discover version starts with a min CL of $2000?






Established Contributor
calihlove75
Posts: 786
Registered: ‎05-16-2012

Re: Walmart Discover approved but


lithium78 wrote:

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. :-)


Thanks!! I am super excited about the free TU fico score. I was going to cancel the TU quarterly fico here, but I understand the one Walmart provides is a different version. I am going to keep the membership here until it updates in November. I am hoping I can compare them and see what the normal difference in scoring is. Maybe I will be able to just estimate this version on here and save 5 bucks a month!!

100% Ficos: EX 753, TU 743, Walmart TU fico 749, EQ 739 Inquiries last 1 year/6 months: EX-0/0, TU- 0/0, EQ-2/1~ last credit card app 6/24/13- New car loan 3/8/2014
Discover IT $8000~Kohls $1000~Amex BCE $2000~ Walmart Discover $7500~NFCU Signature CashRewards $12,100~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $2500~ Amazon Store $7000~ Fingerhut $1350

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+