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App Itch

tag
CreditChampion
Frequent Contributor

App Itch

I want that walmart discover....but I probably should wait till my wells fargo card reaches 6 months right?Smiley Happy

Fico Scores:800+Club

Marvel MC 25K AMEX BCE 18K AMEX Blue Sky 13.6K AMEX BCE 13.5K AMEX Zync
NPSL(AU) Citi Double Cash 14.5K PenFed Plat Rewards 14.5K Citi Forward 10.3k Discover it 9.5K Wells Fargo Cash Back 7.2K BankAmericard Better Balance $700 Chase Freedom $500 Capital One Quicksilver $6K Capital One Platinum (AU) $500 Capital One Secured Card (AU) $251(Closed) PenFed PLOC 14K
PenFed Promise 5K
Message 1 of 11
10 REPLIES 10
tcbofade
Super Contributor

Re: App Itch

I dunno.  Do you know what your TU score is?  Any baddies?

Fico 8 10/01/25: EX 795, EQ 800, TU 793.
Fico 9: EX 812 04/15/25, EQ 804 04/08/25, TU 792 02/15/25.

Zero percent financing is where the devil lives...
Message 2 of 11
CreditChampion
Frequent Contributor

Re: App Itch

No baddies and no fico score till august

Fico Scores:800+Club

Marvel MC 25K AMEX BCE 18K AMEX Blue Sky 13.6K AMEX BCE 13.5K AMEX Zync
NPSL(AU) Citi Double Cash 14.5K PenFed Plat Rewards 14.5K Citi Forward 10.3k Discover it 9.5K Wells Fargo Cash Back 7.2K BankAmericard Better Balance $700 Chase Freedom $500 Capital One Quicksilver $6K Capital One Platinum (AU) $500 Capital One Secured Card (AU) $251(Closed) PenFed PLOC 14K
PenFed Promise 5K
Message 3 of 11
namvet
Established Contributor

Re: App Itch

Yep!

Message 4 of 11
scottwagnon
Valued Contributor

Re: App Itch

i would have kept my ge discover (7k) had the interest rate been a more favorable one, and also an interest rate that would decrease over time.

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Message 5 of 11
AF_23
Frequent Contributor

Re: App Itch


@scottwagnon wrote:

i would have kept my ge discover (7k) had the interest rate been a more favorable one, and also an interest rate that would decrease over time.


It was that bad ?

Message 6 of 11
scottwagnon
Valued Contributor

Re: App Itch


@AF_23 wrote:

@scottwagnon wrote:

i would have kept my ge discover (7k) had the interest rate been a more favorable one, and also an interest rate that would decrease over time.


It was that bad ?


having a purchase apr of 23 percent is a bit outrageous. the only double standard i have however is a capital one card.

earth air water fire master visa express discover
Message 7 of 11
kevinjjc
Valued Contributor

Re: App Itch


@scottwagnon wrote:

@AF_23 wrote:

@scottwagnon wrote:

i would have kept my ge discover (7k) had the interest rate been a more favorable one, and also an interest rate that would decrease over time.


It was that bad ?


having a purchase apr of 23 percent is a bit outrageous. the only double standard i have however is a capital one card.


That high APR is pretty much the standard APR for store credit cards though.

Message 8 of 11
Anonymous
Not applicable

Re: App Itch

i was recently denied walmart card for not enough credit history and too many accounts opened in the past 6 mos. i have 3 open cc's. i dont think you can choose whether you want the store card or discover the system chooses for you i believe

Message 9 of 11
kevinjjc
Valued Contributor

Re: App Itch

Correct, the system will first consider you for the Walmart Discover, then the regular Walmart card. You can't choose which one you want.

Message 10 of 11
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