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Walmart Discover vs. Store card

Walmart Discover vs. Store card

Not to thread hi jack here, but how much more strict is the discover vs the regular card for approvals?

In my wallet, Discover More, BOA 1 2 3. AMEX PRG (au)

EX-722(AMEX DENIAL)
EQ-692
CK-734
CS-703
Message 1 of 27
26 REPLIES
Valued Contributor

Re: Walmart Discover vs. Store card


The_Gardener wrote:

Not to thread hi jack here, but how much more strict is the discover vs the regular card for approvals?


To start with the Discover version you need good-excellent credit,  When I got my Walmart card my TU score was 703 and still was given the store version I also had an GE Amazon card that was over 6 months old so I had an existing relationship with no late payments on any credit cards. 

Cards: Chase Southwest 20k & CSR 10k & CSP 10k & Freedom 6.6k & Amtrak/Freedom 4.6k, FNBO DISC 25.1k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 10k, Paypal Extras MC 7.5k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5.9k, Walmart 10k, Citi Simplicity 9k, Discover IT 16k and a nice stack of store cards.
Last APP/HP 5/15/2017 Marcus Loan. 30k
Message 2 of 27
Mega Contributor

Re: Walmart Discover vs. Store card


The_Gardener wrote:

Not to thread hi jack here, but how much more strict is the discover vs the regular card for approvals?


I agree with james that you should need at least 700 to get the Discover, at least 630 with no recent baddies for store.

 




EQ FICO 548 3/3/16
Message 3 of 27
Valued Contributor

Re: Walmart Discover vs. Store card

my tu 08 from walmart was 738 and tu98 was 708 and did not get the discover. but at that point my aaoa already dropped in half. 

 

but i did get an 800 starting limit. 

 

when i get back home (sep1st) ill look at my score was when i applied. 

it was my last app in my spree as we call them. 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Message 4 of 27
Frequent Contributor

Re: Walmart Discover vs. Store card

My WalMart TU score is 761, I still just have the store card version and have had my WalMart card since '08. No need for the Discover IMO, since I already have IT. Don't need another new tradeline floating around anyway.


myFICO Starting Scores: TU 643 03.10.09 EX 676 01.09.09 EQ 638 05.24.09
Current Score: (WalMart FICO) TU 792 04.03.13 (Mortgage Lender - HP) EX 745 02.06.13 (Mortgage Lender - HP) EQ 771 02.06.13
Goal Score: 800+


Take the FICO Fitness Challenge
Message 5 of 27

Re: Walmart Discover vs. Store card

kudos to marinevietvet for making this its own thread. i wasnt expecting that. Smiley Happy

 

 

In my wallet, Discover More, BOA 1 2 3. AMEX PRG (au)

EX-722(AMEX DENIAL)
EQ-692
CK-734
CS-703
Message 6 of 27
Senior Contributor

Re: Walmart Discover vs. Store card

I started at $800 w Wmt store card too back in 2010, scores were like 650 FICO 08 TU :-)
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 7 of 27
Valued Contributor

Re: Walmart Discover vs. Store card


youngandcreditwrthy wrote:
I started at $800 w Wmt store card too back in 2010, scores were like 650 FICO 08 TU :-)

what's your limit now?

 

i just saw alot of people posting them getting 2/300 dollar limits. 

 

well glad you got that. 

by the next time all my cards report i can get into the 1-7 percent. 

kohls, ae, mc, best buy, and macys all reported balances, even though they were paid. sigh. 

since then ive paid off all cards but best buy. 

still using the freedom but going to pif before statement cuts and just use debit for a little until everything reports right. 

 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Message 8 of 27
Senior Contributor

Re: Walmart Discover vs. Store card

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
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 9 of 27
Senior Contributor

Re: Walmart Discover vs. Store card

Sounds like a plan!:-)
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 10 of 27