I have been rebuilding my credit for a little over a year now. My credit was very poor. I started with a secured card and moved up. I now have 5 cards and a personal loan. Ive never missed any payments since I started to repair it. I came on here, read a few reviews with Walmart and decided to apply. I was for 100% certain I would be denied. To my surprise I was approved for 700 cl with 620 credit score. Definitely worth a try for anyone wanting to increase credit mix. ALWAYS MAKE YOUR PAYMENTS ON TIME. NO MATTER WHAT and you will see your credit sky rocket!!!!! Thanks Walmart for giving me a chance to show my credit worthiness!!!!
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Those who have a walmart store card may be offered a promotion to this card, the Wal-mart Discover. The card isn't actually from discover, it's from GE (same as the store card). The discover logo simply means the card is accepted anywhere discover is - compared to the store card which is only accepted at walmart.
This card has one other advantage over the store card - It does have rewards. However, they're tiny 0.25% of purchases. Sure, they can esclate to 0.5% and eventually 1.0%, but you need to spend quite a bit of money ($3,000, and it resets every year) to reach that mark. Not to mention the credit requirements are fairly steep - if you qualify for this card, you likely qualify for much better cards such as the discover it.
Now, there is an extra warning I must give if you are already a walmart store card holder and you're offered a promotion to this card (usually you'll get an increase in credit limit as well). If you're promoted, your 'accout opening date' will reset! This means that as far as the credit report is conserned, this will be a new account.
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