topic Re: Why Wally GOOD? in Credit Cards

Why Wally GOOD?

DavidZeng — Sat, 07 Dec 2013 04:16:19 GMT

Hi, guys, I just wonder why many folks get the Wally cards? Any special for this hard compare to Discover it?

Re: Why Wally GOOD?

09Lexie — Sat, 07 Dec 2013 04:19:49 GMT

Walmart is a store card backed by GE. It offers a free TU and sp CLI's.

Discover IT is a retail bank charge card. Recently started offering TU scores; has rotating 5% categories

Re: Why Wally GOOD?

DavidZeng — Sat, 07 Dec 2013 04:27:37 GMT

Thanks!

Re: Why Wally GOOD?

CenturyChild — Sat, 07 Dec 2013 04:33:49 GMT

Ge actually has 2 Walmart Cards.

One is the Store Card by GE Capital and the other is the Walmart Discover. Also a Ge Capital Card.

The Walmart Discover card should not be confused with a Discover card however.They are not the same.

It uses Discover Network, but the card itself is run through GE Capital and the rewards program is different.

Both are easier to qualify for than a Discover backed card such as the IT.

Walmart automatically considers you for the Discover version, and if you do not qualify, moves to see if you qualify for the store card.

Re: Why Wally GOOD?

FinStar — Sat, 07 Dec 2013 04:35:46 GMT

@09Lexie wrote:
Walmart is a store card backed by GE. It offers a free TU and sp CLI's.
Discover IT is a retail bank charge card. Recently started offering TU scores; has rotating 5% categories

The downside of the Walmart Discover is the rewards structure (pitiful at best) but the card is great overall (decent financing offers)... that is, if you like bright orange as a color scheme.

Re: Why Wally GOOD?

djc1puno — Sat, 07 Dec 2013 04:38:12 GMT

@FinStar wrote:
@09Lexie wrote:
Walmart is a store card backed by GE. It offers a free TU and sp CLI's.
Discover IT is a retail bank charge card. Recently started offering TU scores; has rotating 5% categories
+1

The downside of the Walmart Discover is the rewards structure (pitiful at best) but the card is great overall (decent financing offers)... that is, if you like bright orange as a color scheme.

+2...lol fin...the bright orange makes it easier to identify from the many stacks i would think

Re: Why Wally GOOD?

09Lexie — Sat, 07 Dec 2013 04:41:08 GMT

@djc1puno wrote:
@FinStar wrote:
@09Lexie wrote:
Walmart is a store card backed by GE. It offers a free TU and sp CLI's.
Discover IT is a retail bank charge card. Recently started offering TU scores; has rotating 5% categories
+1

The downside of the Walmart Discover is the rewards structure (pitiful at best) but the card is great overall (decent financing offers)... that is, if you like bright orange as a color scheme.
+2...lol fin...the bright orange makes it easier to identify from the many stacks i would think

The bright orange is an eye sore and you know how I hate bright colors.

Re: Why Wally GOOD?

FinStar — Sat, 07 Dec 2013 04:42:21 GMT

@djc1puno wrote:
@FinStar wrote:
@09Lexie wrote:
Walmart is a store card backed by GE. It offers a free TU and sp CLI's.
Discover IT is a retail bank charge card. Recently started offering TU scores; has rotating 5% categories
+1

The downside of the Walmart Discover is the rewards structure (pitiful at best) but the card is great overall (decent financing offers)... that is, if you like bright orange as a color scheme.
+2...lol fin...the bright orange makes it easier to identify from the many stacks i would think

Yes indeed! I love the color actually - definitely sticks out! But I've seen posts where folks have pointed out their displeasure of the scheme.

Re: Why Wally GOOD?

FinStar — Sat, 07 Dec 2013 04:46:53 GMT

@09Lexie wrote:
@djc1puno wrote:
@FinStar wrote:
@09Lexie wrote:
Walmart is a store card backed by GE. It offers a free TU and sp CLI's.
Discover IT is a retail bank charge card. Recently started offering TU scores; has rotating 5% categories
+1

The downside of the Walmart Discover is the rewards structure (pitiful at best) but the card is great overall (decent financing offers)... that is, if you like bright orange as a color scheme.
+2...lol fin...the bright orange makes it easier to identify from the many stacks i would think
The bright orange is an eye sore and you know how I hate bright colors.

Oh we know... LOL... Plus, I know you're not fond of the Fidelity AMEX - makes your eyes bleed...Let me post it, for memories sake... cover your eyes!! LMAO

Re: Why Wally GOOD?

djc1puno — Sat, 07 Dec 2013 05:03:30 GMT

@FinStar wrote:
@09Lexie wrote:
@djc1puno wrote:
@FinStar wrote:
@09Lexie wrote:
Walmart is a store card backed by GE. It offers a free TU and sp CLI's.
Discover IT is a retail bank charge card. Recently started offering TU scores; has rotating 5% categories
+1

The downside of the Walmart Discover is the rewards structure (pitiful at best) but the card is great overall (decent financing offers)... that is, if you like bright orange as a color scheme.
+2...lol fin...the bright orange makes it easier to identify from the many stacks i would think
The bright orange is an eye sore and you know how I hate bright colors.
Oh we know... LOL... Plus, I know you're not fond of the Fidelity AMEX - makes your eyes bleed...Let me post it, for memories sake... cover your eyes!! LMAO

that green is...puke green? lmao

Re: Why Wally GOOD?

FinStar — Sat, 07 Dec 2013 05:14:42 GMT

@djc1puno wrote:
@FinStar wrote:
@09Lexie wrote:
@djc1puno wrote:
@FinStar wrote:
@09Lexie wrote:
Walmart is a store card backed by GE. It offers a free TU and sp CLI's.
Discover IT is a retail bank charge card. Recently started offering TU scores; has rotating 5% categories
+1

The downside of the Walmart Discover is the rewards structure (pitiful at best) but the card is great overall (decent financing offers)... that is, if you like bright orange as a color scheme.
+2...lol fin...the bright orange makes it easier to identify from the many stacks i would think
The bright orange is an eye sore and you know how I hate bright colors.
Oh we know... LOL... Plus, I know you're not fond of the Fidelity AMEX - makes your eyes bleed...Let me post it, for memories sake... cover your eyes!! LMAO

that green is...puke green? lmao

Why... yes it is!!! Sort of the colors from old cars or appliances from the 60's... LMAO!

Re: Why Wally GOOD?

djc1puno — Sat, 07 Dec 2013 05:25:25 GMT

@FinStar wrote:
@djc1puno wrote:
@FinStar wrote:
@09Lexie wrote:
@djc1puno wrote:
@FinStar wrote:
@09Lexie wrote:
Walmart is a store card backed by GE. It offers a free TU and sp CLI's.
Discover IT is a retail bank charge card. Recently started offering TU scores; has rotating 5% categories
+1

The downside of the Walmart Discover is the rewards structure (pitiful at best) but the card is great overall (decent financing offers)... that is, if you like bright orange as a color scheme.
+2...lol fin...the bright orange makes it easier to identify from the many stacks i would think
The bright orange is an eye sore and you know how I hate bright colors.
Oh we know... LOL... Plus, I know you're not fond of the Fidelity AMEX - makes your eyes bleed...Let me post it, for memories sake... cover your eyes!! LMAO

that green is...puke green? lmao
Why... yes it is!!! Sort of the colors from old cars or appliances from the 60's... LMAO!

fin...that's the brady bunch hot wagon color! and yes, it's definitely 60-70s! lol

Re: Why Wally GOOD?

09Lexie — Sat, 07 Dec 2013 05:48:17 GMT

@FinStar wrote:
@djc1puno wrote:
@FinStar wrote:
@09Lexie wrote:
@djc1puno wrote:
@FinStar wrote:
@09Lexie wrote:
Walmart is a store card backed by GE. It offers a free TU and sp CLI's.
Discover IT is a retail bank charge card. Recently started offering TU scores; has rotating 5% categories
+1

The downside of the Walmart Discover is the rewards structure (pitiful at best) but the card is great overall (decent financing offers)... that is, if you like bright orange as a color scheme.
+2...lol fin...the bright orange makes it easier to identify from the many stacks i would think
The bright orange is an eye sore and you know how I hate bright colors.
Oh we know... LOL... Plus, I know you're not fond of the Fidelity AMEX - makes your eyes bleed...Let me post it, for memories sake... cover your eyes!! LMAO

that green is...puke green? lmao
Why... yes it is!!! Sort of the colors from old cars or appliances from the 60's... LMAO!

Sadly, I can remember those appliances

Re: Why Wally GOOD?

indiolatino61 — Sat, 07 Dec 2013 08:19:31 GMT

@DavidZeng wrote:
Hi, guys, I just wonder why many folks get the Wally cards? Any special for this hard compare to Discover it?

I only app'ed for the Walmart card to get the free TU FICO score. Now that Discover it gives a TU too, it doesn't seem so good now, even though I've read here that the versions of TU are different for both cards.

Re: Why Wally GOOD?

B335is — Sat, 07 Dec 2013 14:35:37 GMT

+1^

My TU Fico is the same between Walmart, Barclays and Discover. To OP, if I already had Discover IT, I wouldnt get a walmart card personally. I only got Walmart for the free Fico and to say the orange is horrendous is a gross understatement. Ugliest card I have.

Re: Why Wally GOOD?

Anonymous — Sat, 07 Dec 2013 14:43:55 GMT

Not pretty but the Wally card will grow through regular use.

Re: Why Wally GOOD?

JediNeo — Sat, 07 Dec 2013 17:59:21 GMT

Well I got it the card because it was one of the easiest to get for rebuilding. Plus they offer special interest free financing on select purchases. Works great this time of year when I picked up an X1 and iPad air.

Re: Why Wally GOOD?

jamesdwi — Sun, 08 Dec 2013 03:17:39 GMT

The other benefit of the WallyWorld card is the ability to get quick cash on purchases, buy a pack of gum pay with your walmart card get the option of $20-$60 in cash back no special fees, no imediate interest on the charge, PIF with in 25 days, and it free cash in your pocket good if you don't cary a debit card any more and live/work near a walmart. The Cash over Limit on the store card is 10% of CL or $200 which ever is more.

the discover version gets up to $100 in cash back, and the cash over limit is 10% of your CL with no limit.

Re: Why Wally GOOD?

PNut08 — Sun, 08 Dec 2013 05:10:42 GMT

I have the walmart discover and while the rewards are pitiful, they always run 0% financing deals for 6, 12, or 18 months depending on how much you spend. Also, I get a discount on gas with the card.

Re: Why Wally GOOD?

brother7 — Sun, 08 Dec 2013 11:33:53 GMT

I got the Walmart Discover card primarily for the TU score. I don't use the card at all.

My brother (Authorized User) is the main user of the card. His main benefit is the 5 cent discount/gallon of gas. Previously, he was using a Walmart prepaid gift card to get the discount. I told him to use my card instead. The payback for me... his cashback earned comes to me