topic Re: Walmart Discover question in Credit Card Approvals

Walmart Discover question--Update Approved-- CLI success

tennisfan78 — Sun, 10 Feb 2013 05:08:01 GMT

For those who applied for Walmart Discover, which credit report did they pull?

Thanks

Re: Walmart Discover question

mikka1 — Sat, 05 Jan 2013 23:54:07 GMT

I think GE usually pulls TU. At least I never had a GE pull on my EX. Though I don't have WM Discover, I have a Walmart store card.

But that might differ depending on where you live. I live in NJ.

Re: Walmart Discover question

Swapmeet — Sat, 05 Jan 2013 23:55:59 GMT

TU in So Cal.

Re: Walmart Discover question

rtw — Sat, 05 Jan 2013 23:56:58 GMT

They pulled TU for me.

Re: Walmart Discover question

creditnocash — Sun, 06 Jan 2013 00:09:51 GMT

too my knowledge they always pull TU.

the walmart card is backed by ge and on the discover network.

i believe all walmart discover questions/calls/customer service is handled through ge as well. which again supports its only on the discover network as apposed to visa, mc, amex...

Re: Walmart Discover question

tennisfan78 — Sun, 06 Jan 2013 00:20:28 GMT

Thanks to all

Re: Walmart Discover question

tennisfan78 — Sun, 06 Jan 2013 02:11:42 GMT

also what is the apr like?

Re: Walmart Discover question

brother7 — Sun, 06 Jan 2013 02:25:14 GMT

@tennisfan78 wrote:
also what is the apr like?

They pulled TU for me which is the only CR with a serious derog (tax lien which falls off in November). My APR is 22.90%

Re: Walmart Discover question

tennisfan78 — Sun, 06 Jan 2013 03:25:59 GMT

@brother7 wrote:
@tennisfan78 wrote:
also what is the apr like?
They pulled TU for me which is the only CR with a serious derog (tax lien which falls off in November). My APR is 22.90%

That is high APR wow. So, this card is good for reducing overall utilization, but not to carry balance. (and free TU scores)

I bet you cant wait for the derog to fall off! That would be awesome.

Re: Walmart Discover question

Anonymous — Sun, 06 Jan 2013 03:43:10 GMT

Looking at

https://chb.onlinecreditcenter6.com/consumereApply/Internet/walmart/en/js/TermsConditions.htm

Looks like the APR is 22.9 for all, not based on credit score.

Re: Walmart Discover question

chnceit — Sun, 06 Jan 2013 08:37:25 GMT

GE cards tend to carry a high interest rate

Re: Walmart Discover question

tennisfan78 — Sun, 06 Jan 2013 22:58:18 GMT

When applying, does it give an opportunity to choose which card one is applying for? or does the system approve either Discover or regular store card based on the credit score?

Re: Walmart Discover question

mikka1 — Sun, 06 Jan 2013 23:12:04 GMT

The system tries to qualify you for Discover version of the card first. If you can't be approved for Discover version, system tries to qualify you for store version of the card. If you can't qualify for neither of them, you get declined. AFAIK, you can't choose a specific version of this card by yourself.

Re: Walmart Discover question

youngandcreditwrthy — Sun, 06 Jan 2013 23:13:10 GMT

TU for me in Texas!

Re: Walmart Discover question

youngandcreditwrthy — Sun, 06 Jan 2013 23:14:45 GMT

Yeah, GE is typically NOT flexible with interest rates! BUT this card does have 0% offers with min spend requirements allllll the time!

Re: Walmart Discover question

Swapmeet — Mon, 07 Jan 2013 00:54:34 GMT

@youngandcreditwrthy wrote:
Yeah, GE is typically NOT flexible with interest rates! BUT this card does have 0% offers with min spend requirements allllll the time!

They were having 0% for twelve months on any electronics purchase over 500 bucks, or something like that--so I bought a new LG 3D LED TV. It is awesome. But I paid it off after 3 days so that I could use my card again...lol.

Re: Walmart Discover question

youngandcreditwrthy — Mon, 07 Jan 2013 01:13:28 GMT

Haha! I actually bought my tv for like $300+
And got 0% for twelve months too!!!! My Walmart card used to stay maxed out with electronics at 0% !! Haha :-) Mine is an LG too, but not LED :-P

Re: Walmart Discover question

Swapmeet — Mon, 07 Jan 2013 01:20:52 GMT

lol, no matter what the product, the fact is that GE throws the 0% for 12 months offer down on the regular!

Re: Walmart Discover question

youngandcreditwrthy — Mon, 07 Jan 2013 01:22:24 GMT

Exactly... I remember Xmas of 2011, they did 0% on like all purchases for six months through Xmas in the month of Dec.!!! Haha I def'ly just bought a lot of random useful stuff!

Re: Walmart Discover question

Swapmeet — Mon, 07 Jan 2013 03:00:15 GMT

lol...I got my card in Nov, and have been denied for a cli 3 times. Once after each time I paid it off. I am just going to wait until my fourth statement cuts now. I also hit the luv button like 5 times, but it says that I my account is not eligible for an online limit increase. I figure it's a sp, so f-it. What's the worst that can happen?