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Walmart Discover vs. Store card

Valued Contributor

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 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 11 of 27
Senior Contributor

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| 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 12 of 27
Frequent Contributor

Re: Walmart Discover vs. Store card

Got in with a 680ish. 700 limit

Message 13 of 27
Senior Contributor

Re: Walmart Discover vs. Store card

It will grow!!!
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 14 of 27
Established Contributor

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
Message 15 of 27
Valued Contributor

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 & 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 16 of 27
Frequent Contributor

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 Smiley Wink

Message 17 of 27
Senior Contributor

Re: Walmart Discover vs. Store card

Lol agree to alll above! ^^^
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 18 of 27
Established Contributor

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
Message 19 of 27
Senior Contributor

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| 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 20 of 27