topic Re: Apped Walmart in-store, approved in Credit Cards

Apped Walmart in-store, approved

crunching_numbers — Wed, 28 Mar 2012 01:09:31 GMT

I apped for Walmart in store for the $20 off and the FICO. Approved for Discover, and it says temporary CL of $3000. Worst interest rate. Hopefully they will lower it over time, although I don't plan to carry a balance.

Now I am done apping for a while. I really should have waited to app Walmart, but I wanted the FICO I hope this doen't make my current cards angry with 4 new cards...

Re: Apped Walmart in-store, approved

h4ldol — Wed, 28 Mar 2012 01:11:35 GMT

Oh, does Discover have a Walmart card?

Re: Apped Walmart in-store, approved

crunching_numbers — Wed, 28 Mar 2012 01:13:29 GMT

@h4ldol wrote:
Oh, does Discover have a Walmart card?

Actually GE has both a regular Walmart card and a Walmart Discover card. GE is generous on CLI's.

Re: Apped Walmart in-store, approved

Repo-ed — Wed, 28 Mar 2012 01:16:44 GMT

Is the GE easier to obtain? I have a GE card now, but I doubt that makes being approved for another a sure thing. I would really like the FICO score each month, since I don't shop there. (I'm gardening now, so this would be for around this time next year)

Re: Apped Walmart in-store, approved

Booner72 — Wed, 28 Mar 2012 01:22:29 GMT

What is the difference?

Re: Apped Walmart in-store, approved

crunching_numbers — Wed, 28 Mar 2012 01:24:25 GMT

The regular Walmart card is only good at Walmart. The Discover is good anywhere Discover is accepted.

Re: Apped Walmart in-store, approved

Booner72 — Wed, 28 Mar 2012 01:25:52 GMT

I thought so. Is it a Discover Card that has WALMART splashed all over it? Kinda like an advertising thing?

Re: Apped Walmart in-store, approved

mmduluth — Wed, 28 Mar 2012 01:28:05 GMT

It's more like a Walmart card that has Discover splashed all over it. It just means it uses the Discover network as opposed to Visa, MC, etc.

Re: Apped Walmart in-store, approved

crunching_numbers — Wed, 28 Mar 2012 01:30:40 GMT

Here is the link, kinda bold and very Walmart:

http://www.walmart.com/cp/Credit-Cards/632402

Re: Apped Walmart in-store, approved

Booner72 — Wed, 28 Mar 2012 01:34:40 GMT

AAHHHH. Thanks

Re: Apped Walmart in-store, approved

Datx — Wed, 28 Mar 2012 01:35:59 GMT

@Repo-ed wrote:
Is the GE easier to obtain? I have a GE card now, but I doubt that makes being approved for another a sure thing. I would really like the FICO score each month, since I don't shop there. (I'm gardening now, so this would be for around this time next year)

Just an FYI. Both the Walmart store card and the Walmart Discover card, are issued by GECRB. Or GE for short. Normally when you apply, they consider you for the Walmart Discover card first, then if you don't qualify, they consider you for the store card. And like crunching has already said, the Walmart Discover card is accepted anywhere a Discover card is accepted.

Re: Apped Walmart in-store, approved

LS2982 — Wed, 28 Mar 2012 01:52:30 GMT

@crunching_numbers wrote:
I apped for Walmart in store for the $20 off and the FICO. Approved for Discover, and it says temporary CL of $3000. Worst interest rate. Hopefully they will lower it over time, although I don't plan to carry a balance.

Now I am done apping for a while. I really should have waited to app Walmart, but I wanted the FICO I hope this doen't make my current cards angry with 4 new cards...

Congrats!!!!

Re: Apped Walmart in-store, approved

Repo-ed — Wed, 28 Mar 2012 02:01:40 GMT

If I had the DGF app for the discover walmart and then added me as an AU, would I be able to obtain my FICO score as WELL as her?

Re: Apped Walmart in-store, approved

crunching_numbers — Wed, 28 Mar 2012 02:02:47 GMT

@Repo-ed wrote:
If I had the DGF app for the discover walmart and then added me as an AU, would I be able to obtain my FICO score as WELL as her?

No. Only the primary cardholder gets the FICO.

Re: Apped Walmart in-store, approved

Repo-ed — Wed, 28 Mar 2012 02:04:26 GMT

@crunching_numbers wrote:
@Repo-ed wrote:
If I had the DGF app for the discover walmart and then added me as an AU, would I be able to obtain my FICO score as WELL as her?

No. Only the primary cardholder gets the FICO.

haha, it was worth a shot! thanks

Re: Apped Walmart in-store, approved

Datx — Wed, 28 Mar 2012 02:06:42 GMT

Forgot to say congrats to the OP. So here goes...Congrats!

That is a nice starting limit on the Discover Walmart card.

Re: Apped Walmart in-store, approved

crunching_numbers — Wed, 28 Mar 2012 12:09:41 GMT

OK. This morning I am not sure where (if anywhere???) the HP is. I went to CreditKarma expecting it to be TU and the number of HP's did not change. Checked EX, no new HP. SW did not alert me yet, but I suppose it could EQ. I would expect it to fall on TU, since Walmart is TU scores and I am in the midwest. Is there usually a delay? Will there be an actual review and THEN a HP? They did say it was a "temporary CL"... How does GE work this?

Oh please... please... don't ding EX.... fingers and toes crossed.....

Re: Apped Walmart in-store, approved

Datx — Wed, 28 Mar 2012 12:26:53 GMT

@crunching_numbers wrote:
OK. This morning I am not sure where (if anywhere???) the HP is. I went to CreditKarma expecting it to be TU and the number of HP's did not change. Checked EX, no new HP. SW did not alert me yet, but I suppose it could EQ. I would expect it to fall on TU, since Walmart is TU scores and I am in the midwest. Is there usually a delay? Will there be an actual review and THEN a HP? They did say it was a "temporary CL"... How does GE work this?

Oh please... please... don't ding EX.... fingers and toes crossed.....

I have a feeling its going to show up on TU by tomorrow. I noticed sometimes when you app for credit and the creditor is known to pull TU (in this case GE) it will show on TU, then appears to be removed, but comes back again. I read a couple of threads with a few others experiencing that. GE is also known to pull EQ only, or even both EQ and TU. Havent seen too many people reporting GE pulling EX.

And now that you say mentioned your "temporary CL" again, I think you might have been approved for more than 3K. The 3K is just a temporary credit limit for you to immediately use now (or while in the store) until your actual card arrives. This again, is just my guess. I was recently approved for a eBay MC (also a GE product) and they gave me a temporary CL for a few days, then I had access to my full CL just a couple of days before my actual card arrived.

Re: Apped Walmart in-store, approved

crunching_numbers — Wed, 28 Mar 2012 13:08:15 GMT

@Datx wrote:
@crunching_numbers wrote:
OK. This morning I am not sure where (if anywhere???) the HP is. I went to CreditKarma expecting it to be TU and the number of HP's did not change. Checked EX, no new HP. SW did not alert me yet, but I suppose it could EQ. I would expect it to fall on TU, since Walmart is TU scores and I am in the midwest. Is there usually a delay? Will there be an actual review and THEN a HP? They did say it was a "temporary CL"... How does GE work this?

Oh please... please... don't ding EX.... fingers and toes crossed.....
I have a feeling its going to show up on TU by tomorrow. I noticed sometimes when you app for credit and the creditor is known to pull TU (in this case GE) it will show on TU, then appears to be removed, but comes back again. I read a couple of threads with a few others experiencing that. GE is also known to pull EQ only, or even both EQ and TU. Havent seen too many people reporting GE pulling EX.

And now that you say mentioned your "temporary CL" again, I think you might have been approved for more than 3K. The 3K is just a temporary credit limit for you to immediately use now (or while in the store) until your actual card arrives. This again, is just my guess. I was recently approved for a eBay MC (also a GE product) and they gave me a temporary CL for a few days, then I had access to my full CL just a couple of days before my actual card arrived.

Well, I can handle the HPs on EQ, since all that is ther are my mortgage inq's from 2010 (will fall off this July). I have one new inq in TU from my new app spree but just one. So that is OK. Keeping my fingers crossed it is not EX.

Maybe they will just show up later, and maybe GE will show me the llluuuuvvvvv

Re: Apped Walmart in-store, approved

LS2982 — Wed, 28 Mar 2012 13:48:24 GMT

GE HP's can take 2-3 days sometimes to show up on TU ive noticed.