Valued Contributor
Posts: 1,550
Registered: ‎11-10-2012

"Real" Discover, But Not Walmart Discover?

Hello is it that I qualified for the Discover it Card but did not qualify for the Walmart Discover Card? I was approved for the Discover it Card the same day I was approved for the Walmart Store Card. Is this common? Thanks for your input.

 photo Logo - Credit Card Collection - Data Inclusive_zpsjyxek8jr.jpg
Regular Contributor
Posts: 153
Registered: ‎03-09-2013

Re: "Real" Discover, But Not Walmart Discover?

Walmart has an internal scoring system. So the approval odds differs inbetween them.


"Its your AAoA, Sir. It seems, Sir, that it is so short that i dont think it would hurt for it to get a little shorter"
Valued Contributor
Posts: 1,863
Registered: ‎09-20-2011

Re: "Real" Discover, But Not Walmart Discover?

DIscover has nothing to do with the Walmart Discover.  The Walmart Discover is issued by GE.  They are the ones lending you the money, not Discover.  GE and Discover have different criteria.  You qualified for the Discover IT with their criteria and for the Walmart card with GE's criteria.  Use the card and PIF for the best chances of getting upgraded down the road. 


You can think of it like a Chase Freedom card has nothing to do with Visa.  Chase backs the card and lends the money, it just runs on the Visa network.

Established Contributor
Posts: 885
Registered: ‎09-10-2010

Re: "Real" Discover, But Not Walmart Discover?

Same situation for me, but I am actually ok since I rarely use the Walmart card. 


P.S. - Your sig shows you have the Walmart Discover so all is good :smileytongue:

TU712, EQ 742 , EX 726 (As of 12/13/14) - Personal Goal = 760

“Beware of little expenses. A small leak will sink a great ship” – Benjamin Franklin

Gardening since 11-21-14

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.

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

IMPORTANT INFORMATION: All FICO® Score products made available on 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.