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Frequent Contributor
HYPASS33
Posts: 326
Registered: ‎04-08-2013
0

Walmart & Sams

Are these the same cards and is it better to apply in store or online? Also what kind of score should I look to have to have a chance of approval?
Valued Contributor
jamesdwi
Posts: 1,553
Registered: ‎09-16-2011
0

Re: Walmart & Sams

Not the same card though you can use them at either store, but you can only get cashback from the store the card is from, so you can only get cash back at Walmart with the Walmart card, and only get cash back at Sam's Club with the Sam's club card.

 

Only the Walmart card comes with free TU fico once a month. Both will grow with you even if you start out small it will grow.

 

I think they give out cards with about a 650 or higher, possibly lower with a good relationship with GE money bank and/or high income. If you fico is above 720 they may offer you the discover version. Upgrades of the Walmart store card to Discover card usually takes a year or two.  And are GE initiated no way to request as a customer.

 

You may find an instore offer of $20 or more cash back with your approval for the card and you spend $100, getting such deals when you apply online is more difficult.
So in store is usually best, a pre-approved offer may pop-up when you are checking out at Sam's club.


Cards: Chase Southwest 20k & CSP 10k & Amtrak 4.6k, & Freedom 3.3k & Slate 3.3k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & AMEX Hilton Surpass 7.5k & AMEX Zync NPSL, Sams Club Discover 10k, Paypal Extras MC 6k, CapOne 2.5k, CapOne 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.
Established Contributor
JonStur
Posts: 904
Registered: ‎12-25-2010
0

Re: Walmart & Sams

I started out with the Walmart store version and it upgraded to a Discover in a little over a year. I like the free TU score and they give 1% back on purchases which isn't much but it's something. Once you are upgraded to the Discover then go to SAMs and apply for their discover because there's a 99% chance you'll be approved, ( unless something crazy happens in your credit profile), and they will give you a generous limit to boot...that's what I did...

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

Re: Walmart & Sams

AFAIK if you are willing to take a HP if you have the store card they can look into an upgrade on a HP.



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
HYPASS33
Posts: 326
Registered: ‎04-08-2013
0

Re: Walmart & Sams

On the Walmart card, better to apply in store or online or does it really matter?
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: Walmart & Sams

IMO It doesn't matter ive seen it go good either way.



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
HYPASS33
Posts: 326
Registered: ‎04-08-2013
0

Re: Walmart & Sams

Did you have a high score when you applied? Just not sure how much I trust the TU credit score of 764 it gave me.
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: Walmart & Sams


HYPASS33 wrote:
Did you have a high score when you applied? Just not sure how much I trust the TU credit score of 764 it gave me.

Mine was around 700 when I got the Sams Discover $2500 CL




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
Valued Member
carlismycat
Posts: 46
Registered: ‎04-16-2013
0

Re: Walmart & Sams

I got the in store offer for 20.00 credit off my first 100. purchase. But I didnt get the credt. I waited for a few months thinking it would take a while. When I called the number on the back of my card and explained the situation they were nice enough to credit my account the 20.00 .

Also as a side note/fyi I accidentally missed a payment by one day,so when I called to ask if it would hurt my account at all (it didnt) the person actually took off the late fee without me even asking. Since I just pif that day it resulted in a negative balance lol . So when I go on my manills APP ,or sign into my account online is has a negative number.
Trying to garden again: Myfico Experian: 621, Myfico Equifax : 613, MyFico transunion: 639
Goal : 780

Valued Contributor
boomhower
Posts: 1,863
Registered: ‎09-20-2011
0

Re: Walmart & Sams

The Sams version usually gets a higher CL but the Walmart version gets you the free FICO.  Get the Walmart version.  The CL will climb very fast being a GE card.


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