cancel
Showing results for 
Search instead for 
Did you mean: 

Walmart Discover vs. Store card

tag
Anonymous
Not applicable

Walmart Discover vs. Store card

Not to thread hi jack here, but how much more strict is the discover vs the regular card for approvals?

Message 1 of 27
26 REPLIES 26
jamesdwi
Valued Contributor

Re: Walmart Discover vs. Store card


@Anonymous wrote:

Not to thread hi jack here, but how much more strict is the discover vs the regular card for approvals?


To start with the Discover version you need good-excellent credit,  When I got my Walmart card my TU score was 703 and still was given the store version I also had an GE Amazon card that was over 6 months old so I had an existing relationship with no late payments on any credit cards. 

Cards: Chase Southwest 20k & CSR 17k & CSP 10k & FNBO 30k Oregon Duck 5k, & AMEX BCP 32.5k & Amex Magnet 15k&amg; Hilton Surpass 7.5k & Delta Gold 12k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 20k, Paypal Extras MC 10k, Paypal Credit 7.25k CapOne Venture 15k, QS 2.5k, QS 750, Amazon 10k, Walmart 10k, Citi Simplicity 18k, Discover IT 23k and a nice stack of store cards.
Landmarkcu Personal Loan 10k
Message 2 of 27
LS2982
Mega Contributor

Re: Walmart Discover vs. Store card


@Anonymous wrote:

Not to thread hi jack here, but how much more strict is the discover vs the regular card for approvals?


I agree with james that you should need at least 700 to get the Discover, at least 630 with no recent baddies for store.

 




EQ FICO 548 3/3/16
Message 3 of 27
creditnocash
Valued Contributor

Re: Walmart Discover vs. Store card

my tu 08 from walmart was 738 and tu98 was 708 and did not get the discover. but at that point my aaoa already dropped in half. 

 

but i did get an 800 starting limit. 

 

when i get back home (sep1st) ill look at my score was when i applied. 

it was my last app in my spree as we call them. 



Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23

Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE
Over 12 Months:0


2023 Goals:
Buy A Home
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000

Message 4 of 27
slarano
Frequent Contributor

Re: Walmart Discover vs. Store card

My WalMart TU score is 761, I still just have the store card version and have had my WalMart card since '08. No need for the Discover IMO, since I already have IT. Don't need another new tradeline floating around anyway.

ImageImageImage

Message 5 of 27
Anonymous
Not applicable

Re: Walmart Discover vs. Store card

kudos to marinevietvet for making this its own thread. i wasnt expecting that. Smiley Happy

 

 

Message 6 of 27
youngandcreditwrthy
Senior Contributor

Re: Walmart Discover vs. Store card

I started at $800 w Wmt store card too back in 2010, scores were like 650 FICO 08 TU :-)
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 7 of 27
creditnocash
Valued Contributor

Re: Walmart Discover vs. Store card


@youngandcreditwrthy wrote:
I started at $800 w Wmt store card too back in 2010, scores were like 650 FICO 08 TU :-)

what's your limit now?

 

i just saw alot of people posting them getting 2/300 dollar limits. 

 

well glad you got that. 

by the next time all my cards report i can get into the 1-7 percent. 

kohls, ae, mc, best buy, and macys all reported balances, even though they were paid. sigh. 

since then ive paid off all cards but best buy. 

still using the freedom but going to pif before statement cuts and just use debit for a little until everything reports right. 

 



Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23

Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE
Over 12 Months:0


2023 Goals:
Buy A Home
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000

Message 8 of 27
youngandcreditwrthy
Senior Contributor

Re: Walmart Discover vs. Store card

I'm at $2,500, but have the Wmt Discover now. Store card got to $2,400. My scores now are like 670-680'ish. In order for them to approve a brand new Wmt Discover account, it seems like the applicant needs to have extensive 'bank card' experience. By bank card, I mean like current Visa, MC, Amex, Discover
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 9 of 27
youngandcreditwrthy
Senior Contributor

Re: Walmart Discover vs. Store card

Sounds like a plan!:-)
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 10 of 27
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.