topic Discover, Barclaycard, or Walmart? in Credit Card Applications

Discover, Barclaycard, or Walmart?

pi-r-squared — Mon, 20 Jul 2015 19:42:25 GMT

My most recent FICO scores are listed in my siggy. I currently have 2 cap1 cards and will garden a while until I apply for a 3rd. Per my subject line, it's gonna be one of those 3 but I dunno which one will give me highest chance of approval AND highest CL. I burned Sams Club in a BK but the derog account fell off in 2013. Never had Discover or Barclay. The BK will finally disappear in no more than 13 months!!! Hopefully sooner. I have 2 collection accounts on TU but the others are pretty clean. Any ideas based on your collective experiences?

Re: Discover, Barclaycard, or Walmart?

jacetx — Mon, 20 Jul 2015 19:56:03 GMT

What features are you looking for? Do you shop a lot at Walmart or Sam's Club to justify getting their card? Their APR is high and no rewards. Discover is 1% cashback on all purchases and 5% on quaterly categories. Barclaycard Sallie Mae 5% cash back on the first $250 you spend per month on eligible gas and grocery purchases each and the first $750 you spend per month on eligible book purchases, 1% cash back on every other purchase you make, earn 2500 bonus points which may be redeemed for a $25 cash back statement credit, just for using your card within 90 days of account opening.

Re: Discover, Barclaycard, or Walmart?

Anonymous — Mon, 20 Jul 2015 20:08:36 GMT

FYI if people are on their phones, they can't see your siggy.😊

Re: Discover, Barclaycard, or Walmart?

pi-r-squared — Mon, 20 Jul 2015 20:10:40 GMT

Sam's club MC features 5% back on gas, 3% back on dining, and 1% on everything else. Most of my purchasing is at Walmart and an occasional bulk buying day at Sam's. So that's what would draw me to Sam's. The only thing would be getting a low limit such as $500-$1000 to begin

Re: Discover, Barclaycard, or Walmart?

pi-r-squared — Mon, 20 Jul 2015 20:12:22 GMT

FYI, my FICO scores are presently 711 EQ, 710 TU, and 721 EX.

Re: Discover, Barclaycard, or Walmart?

jacetx — Mon, 20 Jul 2015 20:35:55 GMT

I would go for the Discover personally, you still can use it at Sam's and Walmart plus you get double the cashback at the end of the year (offer for new customers only). Also with Discover deals you can earn extra cash back. With your scores I think you will get a nice starting limit, and credit limit increases are softpulls.

Re: Discover, Barclaycard, or Walmart?

Anonymous — Mon, 20 Jul 2015 20:39:24 GMT

Discover all the way!!

Re: Discover, Barclaycard, or Walmart?

SouthJamaica — Mon, 20 Jul 2015 22:17:21 GMT

Greatest likelihood of success in being approved... Barclay Rewards.

I have the card. It's great for purchases, NG for balance transfers, cash advances, or carrying balances.

Re: Discover, Barclaycard, or Walmart?

Anonymous — Tue, 21 Jul 2015 02:22:34 GMT

yeah but that card is weak compared to the discover or sallie mae