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Valued Contributor
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
0

Re: Walmart Discover vs. Store card


youngandcreditwrthy wrote:
I'm at $2,500, but have the Wmt Discover now. Store card got to $2,400. My scores now are like 670-680'ish. In order for them to approve a brand new Wmt Discover account, it seems like the applicant needs to have extensive 'bank card' experience. By bank card, I mean like current Visa, MC, Amex, Discover

that was my problem. that when i apped (mostly instore obviously.) was only offered store versions. 

walmart i did on line and did not recon since i would just let my parents use the card to get stuff at walmart. 

i really apped for the tu score. but might go there more often now. (before maybe once every 3-4 months)

Current: Discover Fico 689 9/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
0

Re: Walmart Discover vs. Store card

The 0% promos are great on the card! The limit will surely grow!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Frequent Contributor
AF_23
Posts: 288
Registered: ‎02-06-2012
0

Re: Walmart Discover vs. Store card

Got in with a 680ish. 700 limit

Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
0

Re: Walmart Discover vs. Store card

It will grow!!!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Established Contributor
JonStur
Posts: 905
Registered: ‎12-25-2010
0

Re: Walmart Discover vs. Store card

Anyone with enough credit to get the Walmart Discover could probably get the regular Discover, like More, along with thre improved rewards IMO..


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
Valued Contributor
jamesdwi
Posts: 1,895
Registered: ‎09-16-2011
0

Re: Walmart Discover vs. Store card

Discover More and IT cards are much easier to get, though from what I have read the GE versions will grow much faster unless you have an 800 fico score

 


Cards: Chase Southwest 20k & CSP 10k & Freedom 6.6k & Amtrak 4.6k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Zync NPSL, Sams Club MC 10k, Paypal Extras MC 6k, CapOne QS 2.5k, QS 750, Amazon 3.9k, Walmart 4.5k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 6.5k and a nice stack of store cards.
Last APP 4/26//2014 no plans for new credit I think I have enough.
Frequent Contributor
AF_23
Posts: 288
Registered: ‎02-06-2012
0

Re: Walmart Discover vs. Store card


JonStur wrote:

Anyone with enough credit to get the Walmart Discover could probably get the regular Discover, like More, along with thre improved rewards IMO..


Many have both :smileywink:

Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
0

Re: Walmart Discover vs. Store card

Lol agree to alll above! ^^^
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Established Contributor
lithium78
Posts: 929
Registered: ‎07-30-2011
0

Re: Walmart Discover vs. Store card

I got a Walmart store card back in 2008 with scores in the high 500s, so I guess I was pretty lucky.  I started with a $300 limit and it grew to $1500 and then they upgraded me to a Walmart Discover with a CL of $2000.  No CLIs since then, but I use it very sparingly since my Discover More has much better rewards.  The Walmart Discover may get some action during the holidays, if I decide I want to use their 0% financing for gifts.


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

Take the FICO Fitness Challenge
Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
0

Re: Walmart Discover vs. Store card

Does anyone know if the Walmart Discover CLIs are like the Walmart Store Card CLIs, as in...do they occur often? With my Wmt Store, I got CLIs every four months! :-)
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k

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