cancel
Showing results for 
Search instead for 
Did you mean: 

Walmart Discover vs. Store card

tag
creditnocash
Valued Contributor

Re: Walmart Discover vs. Store card


@youngandcreditwrthy wrote:
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

that was my problem. that when i apped (mostly instore obviously.) was only offered store versions. 

walmart i did on line and did not recon since i would just let my parents use the card to get stuff at walmart. 

i really apped for the tu score. but might go there more often now. (before maybe once every 3-4 months)



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 11 of 27
youngandcreditwrthy
Senior Contributor

Re: Walmart Discover vs. Store card

The 0% promos are great on the card! The limit will surely grow!
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 12 of 27
AF_23
Frequent Contributor

Re: Walmart Discover vs. Store card

Got in with a 680ish. 700 limit

Message 13 of 27
youngandcreditwrthy
Senior Contributor

Re: Walmart Discover vs. Store card

It will grow!!!
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 14 of 27
JonStur
Established Contributor

Re: Walmart Discover vs. Store card

Anyone with enough credit to get the Walmart Discover could probably get the regular Discover, like More, along with thre improved rewards IMO..


Starting Score: TU 595 EX 600 EQ 585
Current Score: TU 820 EX 825 EQ 812
Goal Score: 800 Club (Mission Accomplished)

Amex Platinum, Amex BCP $17.5K, 5/3 Sig $10K, Capital One Quicksilver 15K, Walmart 10K, US Bank Cash+ 15K, Sam's Club 10K, Chase Freedom $6K, Discover More $15K, Chase United Club MileagePlus $33K, Costco $6K, CapOne Quicksilver One $7K, Cap One Quicksilver $5K, Amazon $3K, Barclays $12.5K, Home Depot $7.5K, AppleCard $6K
Message 15 of 27
jamesdwi
Valued Contributor

Re: Walmart Discover vs. Store card

Discover More and IT cards are much easier to get, though from what I have read the GE versions will grow much faster unless you have an 800 fico score

 

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 16 of 27
AF_23
Frequent Contributor

Re: Walmart Discover vs. Store card


@JonStur wrote:

Anyone with enough credit to get the Walmart Discover could probably get the regular Discover, like More, along with thre improved rewards IMO..


Many have both Smiley Wink

Message 17 of 27
youngandcreditwrthy
Senior Contributor

Re: Walmart Discover vs. Store card

Lol agree to alll above! ^^^
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 18 of 27
lithium78
Established Contributor

Re: Walmart Discover vs. Store card

I got a Walmart store card back in 2008 with scores in the high 500s, so I guess I was pretty lucky.  I started with a $300 limit and it grew to $1500 and then they upgraded me to a Walmart Discover with a CL of $2000.  No CLIs since then, but I use it very sparingly since my Discover More has much better rewards.  The Walmart Discover may get some action during the holidays, if I decide I want to use their 0% financing for gifts.


Starting Score: TU: 566
Current Score: TU: 741 (Discover FICO); EQ: 755 (MyFico) EX: 774 (FAKO)
Goal Score: 800

Take the FICO Fitness Challenge
Message 19 of 27
youngandcreditwrthy
Senior Contributor

Re: Walmart Discover vs. Store card

Does anyone know if the Walmart Discover CLIs are like the Walmart Store Card CLIs, as in...do they occur often? With my Wmt Store, I got CLIs every four months! :-)
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 20 of 27
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.