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Frequent Contributor
7PM789
Posts: 263
Registered: ‎08-20-2012
0

Walmart Discover

[ Edited ]

I was approved for a Sam's club discover card two days ago and now I'm contemplating the odds of being approved for a walmart discover card. If the odds are on my side I would like to do it soon so they can age together. Is G.E.C.R.B. known to approve multiple cards this close together or would I be setting myself up for failure?

My utilization are as follows <%1 on my Amex, %0 on my mastercard, <%2 on my Sam's club discover and %6 on my discover more overall utilization is around %1.5

What should I do app or wait?

Amex B.C.E. - $2.5k - N.C.F.C.U.M.C. - $5k - Amex Gold - NPSL/35k P.O.T. - Discover More - $12k - Sam's Club M.C. - $10k -
Walmart M.C. - $7.5k - Citi T.Y.P. - $10k- Chase Freedom - $5k -
W.M.TU-776(Oct/14/) EQ-726(July/12) EX-782(Oct/14)
Audi, Vide, Tace. . .


Senior Contributor
jsucool76
Posts: 3,670
Registered: ‎12-11-2011
0

Re: Walmart Discover

Do you really need both of them? You can use the Sam's club discover card at walmart....

 

If you want the Walmart discover for the free FICO I would've just applied for that first, since the walmart cards work at sam's club, whether or not you get the discover version. 

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

Re: Walmart Discover

whats your aaoa look like? 4k on a discover? wow. 

id say go for it. what do you have to lose. 

but your score does seem a little low. 

must have a big income =) 

 

 

are you applying for anything else? another car or house? 

 

Current: Discover Fico 701 10/14 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
Frequent Contributor
7PM789
Posts: 263
Registered: ‎08-20-2012
0

Re: Walmart Discover

My A.A.O.A. is currently 8.5 months(down from 11.33 months pre Sam's). If I get the walmart discover it'll drop to 6.8 months and I wouldn't app for anything else until February when my A.A.O.A. is back up to 1 year+. I don't plan on buying another vehicle or a house any time soon. Also despite my wishes I don't make "a lot" of money.
Amex B.C.E. - $2.5k - N.C.F.C.U.M.C. - $5k - Amex Gold - NPSL/35k P.O.T. - Discover More - $12k - Sam's Club M.C. - $10k -
Walmart M.C. - $7.5k - Citi T.Y.P. - $10k- Chase Freedom - $5k -
W.M.TU-776(Oct/14/) EQ-726(July/12) EX-782(Oct/14)
Audi, Vide, Tace. . .


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

Re: Walmart Discover


7PM789 wrote:
My A.A.O.A. is currently 8.5 months(down from 11.33 months pre Sam's). If I get the walmart discover it'll drop to 6.8 months and I wouldn't app for anything else until February when my A.A.O.A. is back up to 1 year+. I don't plan on buying another vehicle or a house any time soon. Also despite my wishes I don't make "a lot" of money.

honestly i would just leave it at that. 

like stated you can use sam's at walmart. 

other then the free tu fico do you need the aval credit? 

in the end its your choice. with only 8 months aaoa i think they would give you a lower limit though. and might not even be the discover version. 

 

for me i had no baddies just aaoa dropped to 9 months and they gave me 800 store card. in july.....    cli to 3000 though a few days ago. 

Current: Discover Fico 701 10/14 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
Frequent Contributor
7PM789
Posts: 263
Registered: ‎08-20-2012
0

Re: Walmart Discover

I applied for the Sam's club discover in response to a letter I received in the mail because it stated that if I was approved I would start with a limit of no less than $2,000.00 and I figured it couldn't hurt after reading that the majority of people have great things to say about G.E.C.R.B.

I then decided to go through my shoebox of papers to feed my shredder later that day and realized that I had a copy of an old Trans Union score from when I was shopping around for my car loan. I hadn't realized that it was significantly lower than my other scores from the same time last year which is why I would like the free monthly score from Trans Union with the walmart card.
Amex B.C.E. - $2.5k - N.C.F.C.U.M.C. - $5k - Amex Gold - NPSL/35k P.O.T. - Discover More - $12k - Sam's Club M.C. - $10k -
Walmart M.C. - $7.5k - Citi T.Y.P. - $10k- Chase Freedom - $5k -
W.M.TU-776(Oct/14/) EQ-726(July/12) EX-782(Oct/14)
Audi, Vide, Tace. . .


Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: Walmart Discover


7PM789 wrote:

I was approved for a Sam's club discover card two days ago and now I'm contemplating the odds of being approved for a walmart discover card. If the odds are on my side I would like to do it soon so they can age together. Is G.E.C.R.B. known to approve multiple cards this close together or would I be setting myself up for failure?

My utilization are as follows <%1 on my Amex, %0 on my mastercard, <%2 on my Sam's club discover and %6 on my discover more overall utilization is around %1.5

What should I do app or wait?


I wouldnt bother apping for that card. Sam's DIscover works the same in Walmart. It's pretty much a useless card other than the TU FICO.

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Frequent Contributor
7PM789
Posts: 263
Registered: ‎08-20-2012
0

Re: Walmart Discover

Ok. In a hypothetical situation would G.E.C.R.B. issue two new cards within a short period of time regardless of which stores they are for?

Has anybody here done this before?
Amex B.C.E. - $2.5k - N.C.F.C.U.M.C. - $5k - Amex Gold - NPSL/35k P.O.T. - Discover More - $12k - Sam's Club M.C. - $10k -
Walmart M.C. - $7.5k - Citi T.Y.P. - $10k- Chase Freedom - $5k -
W.M.TU-776(Oct/14/) EQ-726(July/12) EX-782(Oct/14)
Audi, Vide, Tace. . .


Valued Contributor
maiden_girl
Posts: 2,108
Registered: ‎12-29-2011
0

Re: Walmart Discover


7PM789 wrote:
Ok. In a hypothetical situation would G.E.C.R.B. issue two new cards within a short period of time regardless of which stores they are for?

Has anybody here done this before?

Yes. They'll approve it. I mean...both cards are backed by GE but they are two completely different entities..You'd be able to get it if you applied now. I got Walmart Discover (GE) and Amazon (GE) within the same week...

 

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Senior Contributor
jsucool76
Posts: 3,670
Registered: ‎12-11-2011
0

Re: Walmart Discover


7PM789 wrote:
Ok. In a hypothetical situation would G.E.C.R.B. issue two new cards within a short period of time regardless of which stores they are for?

Has anybody here done this before?

Yes. You can usually go 3-4 GE cards in a short period of time. After that, they'll start knocking back your applications immediately without even considering you. 

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