Reply
Established Contributor
Posts: 586
Registered: ‎03-12-2008
0

Walmart Discover

After 4 years I have finally been offered to upgrade my Walmart store card to the Walmart Discover.  Of course I did take the offer.  I am still waiting on them to get the card to me though.  My question is does anyone know if you can use the Walmart Discover on Shop Discover website to get the major savings?  Like right now I know sears has 15% back.  I am doubting it because it is issued through GE.  I am pretty sure I am blacklisted by Discover because I had a write off 10 years ago. 

 

Appreciate any insight.

As of 04/23/2011 - 731 for EQ FICO
As of 03/02/2012 - 779 for TU FICO
As of 12/2010 - 720 - 729 For EX (Chase FICO Score Provided by EX)
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: Walmart Discover


nicemann wrote:

After 4 years I have finally been offered to upgrade my Walmart store card to the Walmart Discover.  Of course I did take the offer.  I am still waiting on them to get the card to me though.  My question is does anyone know if you can use the Walmart Discover on Shop Discover website to get the major savings?  Like right now I know sears has 15% back.  I am doubting it because it is issued through GE.  I am pretty sure I am blacklisted by Discover because I had a write off 10 years ago. 

 

Appreciate any insight.


If you can afford to take the INQ try it, nothing to lose.




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
Established Contributor
Posts: 586
Registered: ‎03-12-2008
0

Re: Walmart Discover


LS2982 wrote:

nicemann wrote:

After 4 years I have finally been offered to upgrade my Walmart store card to the Walmart Discover.  Of course I did take the offer.  I am still waiting on them to get the card to me though.  My question is does anyone know if you can use the Walmart Discover on Shop Discover website to get the major savings?  Like right now I know sears has 15% back.  I am doubting it because it is issued through GE.  I am pretty sure I am blacklisted by Discover because I had a write off 10 years ago. 

 

Appreciate any insight.


If you can afford to take the INQ try it, nothing to lose.


Yeah I guess I could just didn't want to waste the INQ if the Walmart Discover had the same option.

As of 04/23/2011 - 731 for EQ FICO
As of 03/02/2012 - 779 for TU FICO
As of 12/2010 - 720 - 729 For EX (Chase FICO Score Provided by EX)
Established Contributor
Posts: 676
Registered: ‎01-24-2008
0

Re: Walmart Discover

Congrats!

 

So, can you just never accept that offer and keep your standard Walmart card, instead?

*Note to self* Remember why and for how long you had to rebuild in the first place! One Day at a Time, One Day at a Time!
Frequent Contributor
Posts: 364
Registered: ‎08-09-2011
0

Re: Walmart Discover

[ Edited ]

I included Discover in a Chapter 7 just shy of 10 years ago to the tune of about $5500.  I have not tried to reapply, but I have researched it and from what I've been able to gather they have a pretty short memory of that sort of thing.  Look around at the posts here and on other reputable credit-related boards, or just give Discover a call and ask them.  I've seen a number of posts here and elsewhere indicating that after five years Discover develops a case of amnesia when it comes to people who have burned them in the past.

 

I would imagine that if you are in fact blacklisted by them, their system would catch it before actually pulling a report; thus, no inquiry.  That, however, is merely an assumption on my part.

 

I've got no interest in Discover personally.  12 years ago it was the only credit card accepted at the local grocery chain I worked for.  Now, casual observation reveals the acceptance of Discover -- at least locally -- seems to be considerably more limited than my AMEX, which I have been able to use everywhere I shop.

5/2002 - Chapter 7
7/2011 - Equifax FICO 693
5/2012 - Equifax FICO 812! In the "800 Club!"
2/2013 - Lender-pulled EQ FICO 821 (car loan)
7/2014 - Lender-pulled EQ FICO 832 (car loan)
Contributor
Posts: 102
Registered: ‎03-26-2011
0

Re: Walmart Discover

Nicemann,

 

I don't have discover so I can't answer your question. 

 

I would be concerned about apping for a Discover card, if both cards essentially have the same rewards.

 

Hopefully, someone with a Walmart Discover will come along and answer your question. You might also just give GECB a call and see what they say.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.