"Approved But Not Instant"
Wal-Mart® Discover® Card Review
Written by: ceniceros1 on 2011-01-17
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
ceniceros1's review: 
Applied for card in dec. They checked TU. I have three or four inquiries in the last 2 years. No baddies, no late payments. I only have four credit cards all low limits. Two starter cards with 400, one gas with 600, and paypal buyers credit with 500. Goal was to get this card so I can dump one of the starter cards that has an annual fee. I keep limits under 30%. I also use identity guard to send me reg updates on scores and credit hits.
Did not get instant decision. On week two I saw that it dinged my identity guard, and one week later I received a call asking about security questions. No other contact before that.
It's my highest limit so far and plan on paying off each month so not worried about apr. Customer service was pleasant. Approved for $1700. So far no hassles but still new card
MY Scores
EQ 730, EX 635, and TU 737
Applied for card in dec. They checked TU. I have three or four inquiries in the last 2 years. No baddies, no late payments. I only have four credit cards all low limits. Two starter cards with 400, one gas with 600, and paypal buyers credit with 500. Goal was to get this card so I can dump one of the starter cards that has an annual fee. I keep limits under 30%. I also use identity guard to send me reg updates on scores and credit hits. Did not get instant decision. On week two I saw that it dinged my identity guard, and one week later I received a call asking about security questions. No other contact before that.
It's my highest limit so far and plan on paying off each month so not worried about apr. Customer service was pleasant. Approved for $1700. So far no hassles but still new card
MY Scores
EQ 730, EX 635, and TU 737
4 Comments
Comment 1 by wanderer
Re: Approved But Not Instant 
on 2011-01-17
Super! You have been planning your credit! Good CL. It takes time (couple of years I found) to get enough depth of average credit length to move into the higher CL's. Also, the prime cards.
on 2011-01-17 Super! You have been planning your credit! Good CL. It takes time (couple of years I found) to get enough depth of average credit length to move into the higher CL's. Also, the prime cards.
Comment 3 by bc8787
Re: Approved But Not Instant on 2011-05-15
Hey i was looking at your scores and i would def check on why your experian score is significantly lower than the other bureaus. My scores have never differed more than 8-9 points from each credit bureaus. :)
on 2011-05-15 Hey i was looking at your scores and i would def check on why your experian score is significantly lower than the other bureaus. My scores have never differed more than 8-9 points from each credit bureaus. :)
Comment 4 by ceniceros1
Re: Approved But Not Instant on 2013-03-22
Update 03/22/2013
Still use and love this card. Never any hassles. I am going to try and get a lower APR though since mine is 22%.
EQ 723
EX 762
TU 738
Vantage 745
on 2013-03-22 Update 03/22/2013Still use and love this card. Never any hassles. I am going to try and get a lower APR though since mine is 22%.
EQ 723
EX 762
TU 738
Vantage 745
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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.
