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Valued Contributor
FinStar
Posts: 5,156
Registered: ‎10-21-2012

Re: Why Wally GOOD?


djc1puno wrote:

FinStar wrote:

09Lexie wrote:

djc1puno wrote:

FinStar wrote:

09Lexie wrote:

Walmart is a store card backed by GE.  It offers a free TU and sp CLI's. 

Discover IT is a retail bank charge card.  Recently started offering TU scores; has rotating 5% categories


+1

 

The downside of the Walmart Discover is the rewards structure (pitiful at best) but the card is great overall (decent financing offers)... that is, if you like bright orange as a color scheme.


+2...lol fin...the bright orange makes it easier to identify from the many stacks i would think  :smileyvery-happy:


The bright orange is an eye sore and you know how I hate bright colors. 


Oh we know... LOL... Plus, I know you're not fond of the Fidelity AMEX - makes your eyes bleed...Let me post it, for memories sake... cover your eyes!! LMAO :robotlol:

 

 

 


that green is...puke green? :smileyvery-happy: lmao


Why... yes it is!!!   Sort of the colors from old cars or appliances from the 60's... LMAO!

Valued Contributor
djc1puno
Posts: 1,715
Registered: ‎03-07-2013

Re: Why Wally GOOD?


FinStar wrote:

djc1puno wrote:

FinStar wrote:

09Lexie wrote:

djc1puno wrote:

FinStar wrote:

09Lexie wrote:

Walmart is a store card backed by GE.  It offers a free TU and sp CLI's. 

Discover IT is a retail bank charge card.  Recently started offering TU scores; has rotating 5% categories


+1

 

The downside of the Walmart Discover is the rewards structure (pitiful at best) but the card is great overall (decent financing offers)... that is, if you like bright orange as a color scheme.


+2...lol fin...the bright orange makes it easier to identify from the many stacks i would think  :smileyvery-happy:


The bright orange is an eye sore and you know how I hate bright colors. 


Oh we know... LOL... Plus, I know you're not fond of the Fidelity AMEX - makes your eyes bleed...Let me post it, for memories sake... cover your eyes!! LMAO :robotlol:

 

 

 


that green is...puke green? :smileyvery-happy: lmao


Why... yes it is!!!   Sort of the colors from old cars or appliances from the 60's... LMAO!


fin...that's the brady bunch hot wagon color! :smileyvery-happy: and yes, it's definitely 60-70s! lol



GARDEN GOAL: MARCH 2014
LAST APP: 08/20/2013
---=[NORTHBOUND]=---
Moderator
09Lexie
Posts: 24,395
Registered: ‎09-13-2012

Re: Why Wally GOOD?


FinStar wrote:

djc1puno wrote:

FinStar wrote:

09Lexie wrote:

djc1puno wrote:

FinStar wrote:

09Lexie wrote:

Walmart is a store card backed by GE.  It offers a free TU and sp CLI's. 

Discover IT is a retail bank charge card.  Recently started offering TU scores; has rotating 5% categories


+1

 

The downside of the Walmart Discover is the rewards structure (pitiful at best) but the card is great overall (decent financing offers)... that is, if you like bright orange as a color scheme.


+2...lol fin...the bright orange makes it easier to identify from the many stacks i would think  :smileyvery-happy:


The bright orange is an eye sore and you know how I hate bright colors. 


Oh we know... LOL... Plus, I know you're not fond of the Fidelity AMEX - makes your eyes bleed...Let me post it, for memories sake... cover your eyes!! LMAO :robotlol:

 

 

 


that green is...puke green? :smileyvery-happy: lmao


Why... yes it is!!!   Sort of the colors from old cars or appliances from the 60's... LMAO!


Sadly, I can remember those appliances :smileysad:

Valued Contributor
indiolatino61
Posts: 1,439
Registered: ‎11-10-2012

Re: Why Wally GOOD?


DavidZeng wrote:

Hi, guys, I just wonder why many folks get the Wally cards? Any special for this hard compare to Discover it? 


I only app'ed for the Walmart card to get the free TU FICO score. Now that Discover it gives a TU too, it doesn't seem so good now, even though I've read here that the versions of TU are different for both cards.

 photo Logo-CreditCardCollection_zps46f2f9f7.jpgWmart (TU): 809, Disc it (TU): 809, CKarma (TU): 772, AmEx (EX): 755, CSesame (EX): 727, Quizz (EQ): 775, myFICO (EQ): 770.
Oldest: AmEx: 26Y-5M, AAoA: 7Y-5M, Utl: 2.73%, 12/24 Inq: 6/16, Income: $104k, Garden: 06/16/2014. Updated 07/20/2014.
Valued Contributor
B335is
Posts: 2,795
Registered: ‎09-22-2012

Re: Why Wally GOOD?

+1^

My TU Fico is the same between Walmart, Barclays and Discover. To OP, if I already had Discover IT, I wouldnt get a walmart card personally. I only got Walmart for the free Fico and to say the orange is horrendous is a gross understatement. Ugliest card I have.
Senior Contributor
drkaje
Posts: 3,482
Registered: ‎07-25-2008

Re: Why Wally GOOD?

Not pretty but the Wally card will grow through regular use.


Starting Score: 675
Current Score: EX ? FICO, EQ 708 FICO
Goal Score: 776 FICO


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Regular Contributor
JediNeo
Posts: 187
Registered: ‎11-22-2013

Re: Why Wally GOOD?

Well I got it the card because it was one of the easiest to get for rebuilding. Plus they offer special interest free financing on select purchases. Works great this time of year when I picked up an X1 and iPad air.
NFCU Cash Rewards $14,000, AMEX TE $12,400, Sallie Mae $7,500, Target Red (AU) $6,000, Wal-Mart Discover $5,400, America Discount Tire $700

Last app 3/16/14 TU FICO as of 7/15/14 - 774
Valued Contributor
jamesdwi
Posts: 1,421
Registered: ‎09-16-2011

Re: Why Wally GOOD?

The other benefit of the WallyWorld card is the ability to get quick cash on purchases, buy a pack of gum pay with your walmart card get the option of $20-$60 in cash back no special fees, no imediate interest on the charge, PIF with in 25 days, and it free cash in your pocket good if you don't cary a debit card any more and live/work near a walmart. The Cash over Limit on the store card is 10% of CL or $200 which ever is more.

 

the discover version gets up to $100 in cash back, and the cash over limit is 10% of your CL with no limit.

 

 

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.
New Contributor
PNut08
Posts: 51
Registered: ‎08-25-2011

Re: Why Wally GOOD?

I have the walmart discover and while the rewards are pitiful, they always run 0% financing deals for 6, 12, or 18 months depending on how much you spend. Also, I get a discount on gas with the card.

Frequent Contributor
brother7
Posts: 376
Registered: ‎02-06-2009

Re: Why Wally GOOD?

I got the Walmart Discover card primarily for the TU score. I don't use the card at all.

My brother (Authorized User) is the main user of the card. His main benefit is the 5 cent discount/gallon of gas. Previously, he was using a Walmart prepaid gift card to get the discount. I told him to use my card instead. The payback for me... his cashback earned comes to me :smileyhappy:


11/02/2012 Peak - EQ 790 (ScoreWatch EQ FICO)
07/07/2014 Current - EQ 794 (Walmart Discover TU FICO 08 Classic)
GOAL - 800! - App free since 03/13/2014

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