topic Re: Walmart card options in Credit Cards

Walmart card options

Anonymous — Sat, 22 Mar 2008 15:04:00 GMT

I got approved for a walmart store card two days ago with a "$150" limit. Is it too late to apply for the discover? Can I call them and find out? If so will it be another hit on my cr or will they go by the app they already have?

Re: Walmart card options

Anonymous — Sat, 22 Mar 2008 15:06:43 GMT

i'm pretty sure when you app you are considered for the discover first, and offered the store card as a counter if you qual for it. any app with gemb will be a new pull, but every third or fourth statement you can hit the luv button online w/walmart and sam's (maybe all gemb cards) and get a soft cli.

Re: Walmart card options

Anonymous — Sat, 22 Mar 2008 15:15:26 GMT

Actually Walmart gives you the option of applying for the discover and backing out to the store card if you dont qualify, however they also offer you the option to only apply for their store card. If you now decide to try for the Discover it will be a new pull. What are you scores?

Re: Walmart card options

Anonymous — Sat, 22 Mar 2008 15:17:56 GMT

well they gave me the option of the discover and I didn't chose it. I was a bit reluctant so I went only store card. After reading of discover success on here I'm wondering if I should have tried both to begin with.

Re: Walmart card options

Anonymous — Sat, 22 Mar 2008 15:20:51 GMT

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Re: Walmart card options

haulingthescoreup — Sat, 22 Mar 2008 15:27:37 GMT

@Anonymous wrote:
well they gave me the option of the discover and I didn't chose it. I was a bit reluctant so I went only store card. After reading of discover success on here I'm wondering if I should have tried both to begin with.

The "discover success" stories you've read recently are for the real Discover card. The one you get through Walmart is not issued by Discover Bank. It works like a Discover card, and it's a perfectly good card, but it doesn't have very good limits, etc. And it won't transform to the real thing --it's unrelated. Some people get similar non-Discover Discover cards as a counter-offer when they apply for the real one and don't qualify.

Just so you're aware.