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Walmart vs Walmart discover you choose

Contributor

Walmart vs Walmart discover you choose

With school starting soon and the need tobuy supplieabout am thinking about the savings I would have with a Walmart card.  A have questions for everyone. First, should I apply online or in the store? Should I apply for just the store card or Walmart discover which I would love to have my scores are about 650.  I have other CC but they are only about 3 months old.  Can I apply online or in the store?

Message 1 of 8
7 REPLIES
Established Contributor

Re: Walmart vs Walmart discover you choose


praise123 wrote:

With school starting soon and the need tobuy supplieabout am thinking about the savings I would have with a Walmart card.  A have questions for everyone. First, should I apply online or in the store? Should I apply for just the store card or Walmart discover which I would love to have my scores are about 650.  I have other CC but they are only about 3 months old.  Can I apply online or in the store?


you can apply online or in store, up to you..... I love applying online... i hate gettin denied in store.... lol.....


Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Message 2 of 8
Super Contributor

Re: Walmart vs Walmart discover you choose

1) If you apply in store, while spending more than $100, you will get $20 off, if you apply online the same applies but you must make your purchase online.

 

2) you don't apply for one or the other, you apply, and they consider you for both. If you don't qualify for discover, they will try to give you store card, and if you qualify for neither, than you will be denied. 

 

Good Luck! 

Message 3 of 8
Regular Contributor

Re: Walmart vs Walmart discover you choose

It's also only one app. If you don't qualify for the Discover card, it tries for the store card.
Message 4 of 8
Moderator Emeritus

Re: Walmart vs Walmart discover you choose


Scope27 wrote:
It's also only one app. If you don't qualify for the Discover card, it tries for the store card.

+1

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 5 of 8
Mega Contributor

Re: Walmart vs Walmart discover you choose

I would go in-store and app, more poeple have had success that way. (verifying who you are is easier)




EQ FICO 548 3/3/16
Message 6 of 8
Established Contributor

Re: Walmart vs Walmart discover you choose

I think your good to go on the store card. The DISCOVER version is much harder to get and its been reported by several ppl getting denied for the DISCOVER version with 700+ scores. I myself was expecting to get the DISCOVER one and i was denied with a 715 score just last week. Maybe u can get it though. Goodluck


Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 Smiley Wink
Message 7 of 8
Established Contributor

Re: Walmart vs Walmart discover you choose

And JSUCOOL is right, you can't pick which one. GE does that for u lol.


Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 Smiley Wink
Message 8 of 8