topic Re: Approved for Walmart Discover in Credit Card Approvals

Approved for Walmart Discover

Anonymous — Mon, 01 Apr 2013 02:56:42 GMT

I was gardening & had no intentions of applying for this card. My goal was to garden as much as I can & maximize my chances of getting approved for very high initial limit cards. I have SW at $8,500, Freedom at $7,000 & very soon my Amex Delta will be $9,000.

I was actually ordering something on walmart's website & when it gave me an option to apply for this card and get $20 back, I couldn't resist the temptation. I got approved instantly with $1,800.

I have absolutely no idea if it is a good card & I'm feeling too lazy to go through the entire threads. Just have a few questions at this time:

1) Is this a good initial CL for Walmart Discover card?

2) Does this card grow with time? Do they do CLIs? If yes, are they SP or HP?

3) Besides free monthly TU FICO score, is there any other major advantage of this card?

Re: Approved for Walmart Discover

myjourney — Mon, 01 Apr 2013 02:58:59 GMT

@Anonymous wrote:
I was gardening & had no intentions of applying for this card. My goal was to garden as much as I can & maximize my chances of getting approved for very high initial limit cards. I have SW at $8,500, Freedom at $7,000 & very soon my Amex Delta will be $9,000.

I was actually ordering something on walmart's website & when it gave me an option to apply for this card and get $20 back, I couldn't resist the temptation. I got approved instantly with $1,800.

I have absolutely no idea if it is a good card & I'm feeling too lazy to go through the entire threads. Just have a few questions at this time:

1) Is this a good initial CL for Walmart Discover card? Great

2) Does this card grow with time? YES Do they do CLIs? If yes, are they SP or HP? SP

3) Besides free monthly TU FICO score, is there any other major advantage of this card? Gas

Re: Approved for Walmart Discover

Anonymous — Mon, 01 Apr 2013 03:01:06 GMT

Congrats on your approval.

1. Call and recon the CL
2. Yes, it's GE so it will grow, CLI's are SP's
3. No besides what I listed. -

Re: Approved for Walmart Discover

djc1puno — Mon, 01 Apr 2013 03:18:44 GMT

+1...congrats!

Re: Approved for Walmart Discover

BearsAndTurtlesRtheBest — Mon, 01 Apr 2013 03:19:41 GMT

Congrats on getting the Discover version! And yes as soon as you know it will be at a CL of $10K if you treat it well. It will forsure surpass your current prime cards.

Re: Approved for Walmart Discover

Anonymous — Mon, 01 Apr 2013 03:21:19 GMT

Congrats, that's a good starting limit for that card. That being said, was it really worth the $20 for the inquiry and a limit that, while good for that card, is low for your standards? Given your goals, I'm not sure it was the best idea! Anyway, what's done is done: Make sure you get CLIs to get the limit up and don't get suckered into using it in place of your "better" rewards cards unless it really does offer more than they do.

Congrats on the approval, though! They all feel good

Re: Approved for Walmart Discover

CribDuchess — Mon, 01 Apr 2013 03:26:46 GMT

@Anonymous wrote:
I was gardening & had no intentions of applying for this card. My goal was to garden as much as I can & maximize my chances of getting approved for very high initial limit cards. I have SW at $8,500, Freedom at $7,000 & very soon my Amex Delta will be $9,000.

I was actually ordering something on walmart's website & when it gave me an option to apply for this card and get $20 back, I couldn't resist the temptation. I got approved instantly with $1,800.

I have absolutely no idea if it is a good card & I'm feeling too lazy to go through the entire threads. Just have a few questions at this time:

1) Is this a good initial CL for Walmart Discover card?

2) Does this card grow with time? Do they do CLIs? If yes, are they SP or HP?

3) Besides free monthly TU FICO score, is there any other major advantage of this card?

Congrats on your WM Discover approval! I think that is a good initial CL. My initial CL was $3,600 and a poster here told me to recon my limit but I never did. However, after having the card less than 3 months, I called and asked for a CLI to $10,000 and they approved it (only a SP). So even if you don't recon your limit, you will be able to increase that limit with just a SP. Some folks here call every couple of months for a CLI and it always seems to be a SP.

For me, the free TU FICO score was the main reason to get the card as I already have a regular Discover card. But I have to admit that I sometimes use it at Walmart and I will get $100 cash over my purchase. I do like that option as Walmart is closer to my home than my banks are.

Re: Approved for Walmart Discover

Anonymous — Mon, 01 Apr 2013 04:34:34 GMT

Thank you so much for your responses.

Before reading these responses, I called them in & requested for reconsideration of my initial CL. As mentioned above, they said it wouldn't be possible for them at this stage to increase the limit. However, I can call them in after 3 months & request for a CLI.

On a different note, I've always read here that for Discover cards (like Discover IT), customers have to wait for atleast 6 months before applying for a CLI. Is this card different from other Discover cards as far as CLIs are concerned?

Re: Approved for Walmart Discover

Anonymous — Mon, 01 Apr 2013 04:38:32 GMT

Yeah, it mostly has to do with the issuer, which in this case is GE Capital Retail Bank. They do a lot of other store-branded cards (e.g. Gap, Banana Republic, Amazon store card) and are known to be pretty generous with the CLIs (in amount as well as frequency).

Re: Approved for Walmart Discover

Anonymous — Mon, 01 Apr 2013 04:51:23 GMT

I've always been very confused with the rewards on Gas.

Costco Gas stations normally offer a discounted price on Gas. I've literally calculated the difference compared to normal Gas stations & found Costco is around 1.3% cheaper. On the other hand, I think Freedom & Discover sometimes offer 5% on Gas. Unfortunately, Costco Gas stations only accept Debit cards & Amex Credit Cards. Now Walmart Discover offers 5c on each gallon, which really is only 1.2% on a full tank of Nissan Altima.

Life's so confusing

Re: Approved for Walmart Discover

Anonymous — Mon, 01 Apr 2013 04:57:00 GMT

@Anonymous wrote:
I've always been very confused with the rewards on Gas.

Costco Gas stations normally offer a discounted price on Gas. I've literally calculated the difference compared to normal Gas stations & found Costco is around 1.3% cheaper. On the other hand, I think Freedom & Discover sometimes offer 5% on Gas. Unfortunately, Costco Gas stations only accept Debit cards & Amex Credit Cards. Now Walmart Discover offers 5c on each gallon, which really is only 1.2% on a full tank of Nissan Altima.

Life's so confusing

To make things even more complicated, most cards issued by Amex don't give bonus points for gas stations attached to a Costco (only U.S. "stand-alone" gas stations). Only the Costco TrueEarning does, I believe, and even that only gives 3%.

Re: Approved for Walmart Discover

solstice00 — Mon, 01 Apr 2013 21:19:06 GMT

It grows very fast. I got a limit of 1000.

I reconned and they said they are unable to increase the credit limit right now.

Asked me to call back in 2 months.

Re: Approved for Walmart Discover

kevinjjc — Mon, 01 Apr 2013 12:40:16 GMT

@Anonymous wrote:
Thank you so much for your responses.

Before reading these responses, I called them in & requested for reconsideration of my initial CL. As mentioned above, they said it wouldn't be possible for them at this stage to increase the limit. However, I can call them in after 3 months & request for a CLI.

On a different note, I've always read here that for Discover cards (like Discover IT), customers have to wait for atleast 6 months before applying for a CLI. Is this card different from other Discover cards as far as CLIs are concerned?

Did you call the backdoor #?

Re: Approved for Walmart Discover

Anonymous — Mon, 01 Apr 2013 12:46:19 GMT

I applied and got a Walmart Discover card recently. I was offered a 1.2k CL to start. I was given a recon number and got an increase to 3k. They asked me what I wanted, and I just threw out 3k because I didn't want to be greedy. Maybe I should have asked for more, but I plan to use the card only for the TU FICO score anyways.

Congrats on the card!

Re: Approved for Walmart Discover

youngandcreditwrthy — Mon, 01 Apr 2013 14:01:50 GMT

It's a GREAT card.
Your credit must be in tip top shop! A lot of times $2k is the highest initial line GE will allow.
You call and ask for $5k!

Re: Approved for Walmart Discover

youngandcreditwrthy — Mon, 01 Apr 2013 14:03:39 GMT

Call this num 18773798173

Ask for $5k, $10k of you feel lucky! Never go through reg cs for clis!

Re: Approved for Walmart Discover

boomhower — Mon, 01 Apr 2013 14:12:02 GMT

@Anonymous wrote:
Thank you so much for your responses.

Before reading these responses, I called them in & requested for reconsideration of my initial CL. As mentioned above, they said it wouldn't be possible for them at this stage to increase the limit. However, I can call them in after 3 months & request for a CLI.

On a different note, I've always read here that for Discover cards (like Discover IT), customers have to wait for atleast 6 months before applying for a CLI. Is this card different from other Discover cards as far as CLIs are concerned?

The Walmart Discover has nothing to do with Discover issued cards like the IT or More cards. The Walmart card is issued by GE and just runs on the Discover network.(Basically Walmart made a deal with Discover to get cheaper swipe fees so it impacts there profits less, that's why its a Discover and not Visa/Mastercard). You will likely get an auto-CLI at four months. Then call the underwriters and ask for $10k. Given your other lines you'll likely get it.

Re: Approved for Walmart Discover

Anonymous — Mon, 01 Apr 2013 14:57:23 GMT

Thanks youngandcreditwrthy

However, the backdoor number you've given doesn't seem to be consistent with the one given in Backdoor thread.

You sure its the right number to call at?

Re: Approved for Walmart Discover

youngandcreditwrthy — Mon, 01 Apr 2013 17:04:35 GMT

100% sure ;-) just try it lol

Re: Approved for Walmart Discover

solstice00 — Mon, 01 Apr 2013 21:21:56 GMT

If you call will they do a hard inquiry on your report.

Its been a couple of weeks since I got my card and my score has jumped a lot since then. I don't want them to use the original report that they had pulled.