Few pieces of info for you,
1. Your scores and AAoA will defiantly qualify you for the Walmart card. I was approved in the 600's and about half your AAoA.
2. I would hold off on wanting the "discover" card, later this summer they're going to be switching over to the MasterCard and everyone is hoping they will have a similar rewards system as the Sams Club MC!
3. i don't know of any income requirements, just as long as you have income and decent credit history should be okay though your income amount could determine your cl.
4. How many inq do you have?
You don't app for Walmart store or the Discover. You place one app, they check to see if you qualify for the Discover version, if not, then they check for the store card. You should be good to go if you so choose.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
I would not trust the CK boards honestly, now if you find it on here then I would believe it. If you choose to apply you should be automatically approved, good luck!
@Jerry45 wrote:Luckily, no inquires , Thanks. I did hear they were switching to Mastercard, but also read that existing Discover accounts would be auto switched to the new cards without a hard pull or new Age of accounts. This info is from Walmart themselves, per the Credit Karma boards. At least I hope that is right.
when they transfer over it will be an whole new TL ,if that doesn't matter to you then you can try and apply and see if you get discover. If you don't you will just get store card.
@Jerry45 wrote:Thanks Shogun. How does a lender like GE look at credit? Do they look at TU fico scores, or just straight credit score?
most if not all cc apps are thru fico scores. Some like chase and amex use internal scoring based off fico scores.