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Valued Contributor
indiolatino61
Posts: 1,429
Registered: ‎11-10-2012

"Real" Discover, But Not Walmart Discover?

Hello all...how 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-CreditCardCollection_zps2f177769.jpgWmart (TU): 802, Disc it (TU): 802, CKarma (TU): 767, AmEx (EX): 755, CSesame (EX): 710, Quizz (EQ): 778, myFICO (EQ): 770.
Oldest: AmEx: 26Y-2M, AAoA: 6Y-1M, Utl: 0.81%, 12/24 Inq: 5/15, Income: $99k, Garden: 03/30/2014. Updated 04/10/2014.
Regular Contributor
solstice00
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
boomhower
Posts: 1,862
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
VirtualCuriosity
Posts: 521
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:

   
TU98 673, TU08 665, EQ 654, EX 664 (As of 4/2014) - Personal Goal = 760+

Gardening since 7-09-13


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