"Pleasantly Surprised!"
Wal-Mart® Discover® Card Review
Written by: shark6 on 2008-07-16
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
shark6's review: 
Ok, so I had gotten a pre approval offer from Walmart card last year and I did not apply as I didn't think that I would apply.
I decided to go to the site last night and tempt fate and apply. I got to the 4 Lexus Nexis questions and at the last one, I meant to hit the 'next' button but I hit cancel instead. A pop up box openned up and I tried to 'x' out but it aborted the entire ap. I decided to apply again as I didn't think that it had gotten to the irquiry section yet.
I did this and got the dreaded '7day message'. I went to www.Creditboards.com and looked up the backdoor # for underwriting and called them today.
I got xferred to another area which I was told was the fraud department and the lady then asked me 3 questions that were related to 2 cars that we had owned(1 currently) and about a street address.
She then said, 'congratulations, you have been approved for the Walmart Discover for $1700'. I nearly fell out of my chair and had to ask her to repeat it again to make sure that I was hearing right.
My daughter who has absolutely clean credit, with no baddies but a file less than 12mths although I have her as an authorized user on my 5yr Cap 1 card(which is what I am convinced is the reason why she has gotten so many good cards with no credit file before) was denied for a Discover Rewards card and was cast off to the HSBC Direct Rewards 18% Discover card (at least no AF) with just a measly $750 limit.
I can't believe it! I have to say that I do have a Sam's club (started at $300 and then last month, requested CLI and got $200)and that Walmart pulled Equifax which is my best report with no baddies except my bad student loan.
I still can't believe it especially as the database is filled with stories of people only meager limits of $200 or less or odd amounts under $300.
I don't know what tier I fall into yet so not sure of the interest rate but this card won't be used to charge more than $50.
P. S I thinking that if you got a pre-approval that it is more than likely that you will be approved.
Ok, so I had gotten a pre approval offer from Walmart card last year and I did not apply as I didn't think that I would apply.I decided to go to the site last night and tempt fate and apply. I got to the 4 Lexus Nexis questions and at the last one, I meant to hit the 'next' button but I hit cancel instead. A pop up box openned up and I tried to 'x' out but it aborted the entire ap. I decided to apply again as I didn't think that it had gotten to the irquiry section yet.
I did this and got the dreaded '7day message'. I went to www.Creditboards.com and looked up the backdoor # for underwriting and called them today.
I got xferred to another area which I was told was the fraud department and the lady then asked me 3 questions that were related to 2 cars that we had owned(1 currently) and about a street address.
She then said, 'congratulations, you have been approved for the Walmart Discover for $1700'. I nearly fell out of my chair and had to ask her to repeat it again to make sure that I was hearing right.
My daughter who has absolutely clean credit, with no baddies but a file less than 12mths although I have her as an authorized user on my 5yr Cap 1 card(which is what I am convinced is the reason why she has gotten so many good cards with no credit file before) was denied for a Discover Rewards card and was cast off to the HSBC Direct Rewards 18% Discover card (at least no AF) with just a measly $750 limit.
I can't believe it! I have to say that I do have a Sam's club (started at $300 and then last month, requested CLI and got $200)and that Walmart pulled Equifax which is my best report with no baddies except my bad student loan.
I still can't believe it especially as the database is filled with stories of people only meager limits of $200 or less or odd amounts under $300.
I don't know what tier I fall into yet so not sure of the interest rate but this card won't be used to charge more than $50.
P. S I thinking that if you got a pre-approval that it is more than likely that you will be approved.
7 Comments
Comment 1 by rwmtd
What A Great Surprise 
on 2008-07-16
Congrats to you Shark6, if you don't mind posting it what is your current score with equifax? Again, congrats to you on getting such a high CL.
on 2008-07-16 Congrats to you Shark6, if you don't mind posting it what is your current score with equifax? Again, congrats to you on getting such a high CL.
Comment 5 by shark6
Score on 2008-07-16
My current Equifax score is around 535-641. However, I do have an aged file and no baddies except a paid off charge off and student loan.
Everything else is over 5rs with most of my accounts 13yrs. I also have the Sam's card which I have had for 2years. If they had pulled Experian, I doubt that I would have gotten it.
Thanks everyone.
on 2008-07-16 My current Equifax score is around 535-641. However, I do have an aged file and no baddies except a paid off charge off and student loan. Everything else is over 5rs with most of my accounts 13yrs. I also have the Sam's card which I have had for 2years. If they had pulled Experian, I doubt that I would have gotten it.
Thanks everyone.
Comment 7 by shark6
Experian Is Alreayd Reporting on 2008-07-19
I meant to say that my current Equifax is around 635-640. I pulled my Truecredit today and I was surprised to see that Experian was already reporting my Walmart/Discover account. It took them less than 5 days and I don't even have the card in my hand yet.
Needless to say, TU and EQ haven't reported yet.
Thanks Hjm331.
on 2008-07-19 I meant to say that my current Equifax is around 635-640. I pulled my Truecredit today and I was surprised to see that Experian was already reporting my Walmart/Discover account. It took them less than 5 days and I don't even have the card in my hand yet.Needless to say, TU and EQ haven't reported yet.
Thanks Hjm331.
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Disclaimer: This content is not provided by GE Money. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by GE Money. Review content is powered by Finance Globe.
