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New Walmart Discover Card!!!!!

Ron1

By Ron1
in Credit Forum

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Ron1
Ron1

That's what new Walmart Discover Card look like:   https://www.onlinecreditcenter2.com/walmart...rd/Splitter.htm     Ron.

Ron1

Ron1

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Posted (edited)

Here's the terms:

 

         Important information about your Wal-Mart® Discover® and Wal-Mart® Credit Card account

 

 

 

THE KEY CREDIT TERMS

 

 

Wal-Mart® Discover®

Wal-Mart® Credit Card

 

Annual Percentage Rate (APR) for Purchases

Annual Percentage Rate (APR) for Purchases and Cash Advances

 

 

 

Account Type 1:

Account Type 2:

Account Type 3:

 

9.87%

15.87%

18.87%

 

 

 

Premier Accounts:

Preferred Accounts:

Choice Accounts:

 

9.87%

15.87%

19.87%

 

 

Other APRs

Other APRs

 

Delinquency Rate:*   24.99%

Cash APR

 

Account Type 1:

Account Type 2:

Account Type 3:

 

12.87%

18.87%

21.87%

 

Delinquency Rate:*   24.99%

 

Variable Rate Information

Variable Rate Information

 

The Annual Percentage Rate for Purchases may vary and will equal the prime rate plus (i) 4.12%, but not less than 9.87% for Account Type 1; (ii) 10.12%, but not less than 15.87% for Account Type 2; or (iii) 13.12%, but not less than 18.87% for Account Type 3. The Annual Percentage Rate for Cash Advances may vary and will equal (A) the prime rate plus 7.12%, but not less than 12.87% for Account Type 1, (B) the prime rate plus 13.12%, but not less than 18.87% for Account Type 2, or © the prime rate plus 16.12%, but not less than 21.87% for Account Type 3. The Delinquency Rate may vary and will equal the prime rate plus 19.24%, but not less than 24.99%.

The "prime rate" for a billing period is the highest bank prime loan rate as published in The Wall Street Journal in its Money Rates section on any business day of the three calendar months preceding the first day of the billing period.

The APR for all Accounts (including the Delinquency Rate) may vary and will equal:

Wal-Mart Premier Accounts: The prime rate plus 4.12%, but in no event less than 9.87%.

Wal-Mart Preferred Accounts: The prime rate plus 10.12%, but in no event less than 15.87%.

Wal-Mart Choice Accounts: The prime rate plus 14.12%, but in no event less than 19.87%.

All Accounts: Delinquency Rate equals the prime rate plus 19.24%, but in no event less than 24.99%.

The "prime rate" is the highest bank prime loan rate as published in The Wall Street Journal in its Money Rates section on the 15th day (or the next business day if the 15th is not a business day) of the calendar month preceding the first day of the billing period.

 

Grace Period for the Repayment of the Balance for Purchases

Grace Period for the Repayment of the Balance for Purchases

 

25 days if no previous balance or full payment is made; otherwise none.

25 days if no previous balance or full payment is made; otherwise none.

 

Method of Computing the Balance for Purchases

Method of Computing the Balance for Purchases

 

Average Daily Balance (Including New Purchases)

Average Daily Balance (Including New Purchases and Cash Advances)

 

Minimum Finance Charge

Minimum Finance Charge

 

$1.00

$1.00

 

Transaction Fee for Cash Advances and Convenience Checks

Transaction Fee for Cash Advances and Convenience Checks

 

The greater of $5.00 or 3.0% of the amount of the Cash Advance

Not Applicable

 

Transaction Fee for Balance Transfers

Transaction Fee for Balance Transfers

 

The greater of $5.00 or 3% of the amount of the Balance Transfer, but no more than $50.00

Not Applicable

 

Late Payment Fee: $0 if the account balance at the time the delinquent Minimum Payment is calculated is less than $30; $14.97 if the balance is $30-$149.99; $28.97 if the balance is $150-$999.99; and $34.97 if the balance is $1,000 or greater.

Returned Check Fee: $25

Overlimit Fee: $25

*The Delinquency Rate will apply if you default under any agreement that you have with us, because you fail to make a minimum payment to us or any other creditor when due, you exceed any credit limit, or you make a payment to us that is not honored by your bank. Once in effect, if you are not late with any minimum payment and do not exceed any credit limit for six consecutive billing periods, the rate for purchases will be the prime rate plus 13.12%, but not less than 18.87% and the rate for cash advances will be the prime rate plus 16.12%, but not less than 21.87%.

Late Payment Fee: $0 if the account balance at the time the delinquent Minimum Payment is calculated is less than $30; $24.97 if the balance is $30 or greater.

Returned Check Fee: $25

Overlimit Fee: $25

*The Delinquency Rate will apply if the Minimum Payment is past due twice in a 6-month period. Once in effect, if you are not late with any required Minimum Payment for six consecutive billing periods, the rate will be the prime rate plus 14.12% thereafter, but in no event less than 19.87%.

 

The information about the costs of the card described above is accurate as of billing periods beginning after February 1, 2005. This information may have changed after that date. The terms of the Agreement may be changed by us as provided in the Agreement.To find out what may have changed on your Wal-Mart® Discover®, write to: P. O. Box 981284, El Paso, TX 79998-1284.

The information about the costs of the card described above is accurate as of billing periods beginning after February 1, 2005. This information may have changed after that date. The terms of the Agreement may be changed by us as provided in the Agreement.To find out what may have changed on your Wal-Mart® Credit Card, write to: P. O. Box 981064, El Paso, TX 79998-1064.

 

link:

 

https://www.onlinecreditcenter2.com/walmart...edit_terms.html

 

 

 Ron.

Edited by Ron1
GEORGE

GEORGE

Posted
Posted

There is no information about the cards other than they will happen in MARCH 2005

 

I want to know "IF" they are going to do a FLEET/BofA type thing where they just send new card...or "IF" this is a seperate application...AND SEPERATE ACCOUNT

 

All the information I got from work was very limited at this point...

 

They will be FEE FREE TO WAL*MART/SAMS when used at WAL*MART/SAMS

 

It can be used at any business that takes DISCOVERCARD

 

And that "UP-TO" 1.00% CASH BACK deal

 

BUT WAL*MART/SAMS is rated at 0.0025 AT WAL*MART/SAMS on the regular DISCOVERCARD

Guest thundr101

Guest thundr101

Posted
Posted

I'd be interested to see someone apply and actually get it.

 

You can apply online and you will be considered for the WALMART/DISCOVER CARD first, and the WALMART CARD next... if you don't qualify for the first choice.

 

I just called WALMART credit cust. svc.. (not that they ever know anything) and asked them about applying for the DISCOVER card.. he told me that I would need to PAYOFF and CLOSE my current Wally World card and reapply.

 

I will save the hard inq for another $255 credit limit. God.. I can't imagine if GEMB continues approving such crappy limits on the Discover Branded card. Hopefully Discover stepped in and set a minimum credit limit.

 

Can you imagine charging on your cool Discover card with a $75.00 limit to start.. haha

 

Thundr101

TeeSharice

TeeSharice

Posted
Posted
There is no information about the cards other than they will happen in MARCH 2005

 

I want to know "IF" they are going to do a FLEET/BofA type thing where they just send new card...or "IF" this is a seperate application...AND SEPERATE ACCOUNT

 

All the information I got from work was very limited at this point...

 

They will be FEE FREE TO WAL*MART/SAMS when used at WAL*MART/SAMS

 

It can be used at any business that takes DISCOVERCARD

 

And that "UP-TO" 1.00% CASH BACK deal

 

BUT WAL*MART/SAMS is rated at 0.0025 AT WAL*MART/SAMS on the regular DISCOVERCARD

 

 

Called Monogram...If ya already have Wally card, ya wont get it replaced by this...ya CAN have both if ya apply for both....The DIscover branded card is a spearate application

TeeSharice

TeeSharice

Posted
Posted
Wonder if this will be backdoor into getting a Discover card????? I'm on their blacklist.

 

 

Im surely on Discover blacklist, although I have never tried to confirm it...

 

Im tempted to be the guinea pig for this acct but will not wouldnt until March 1 when my new accts wont seem so new anymore

 

But Im also on a self-imposed application sabbatical....

spacecowboy

spacecowboy

Posted
Posted
Wonder if this will be backdoor into getting a Discover card????? I'm on their blacklist.

 

 

Im surely on Discover blacklist, although I have never tried to confirm it...

 

Im tempted to be the guinea pig for this acct but will not wouldnt until March 1 when my new accts wont seem so new anymore

 

But Im also on a self-imposed application sabbatical....

 

If you do it, I will, Tee! Is there a bridge around too? :angry:

 

Spacely

GEORGE

GEORGE

Posted
Posted

UP TO $1,500.00 = 0.25%

$1,500.01--$3,000.00 = 0.50%

OVER $3,000.00 = 1.00%

 

With all the fine print I can't tell if the 0.25% MAX** is still there for WAL*MART/SAMS...like the other DISCOVERCARDS

 

 

**EVEN IF YOU SPEND $30,000 AT WAL*MART/SAMS

TeeSharice

TeeSharice

Posted
Posted
That's what new Walmart Discover Card look like:

 

https://www.onlinecreditcenter2.com/walmart...rd/Splitter.htm

 

 

Ron.

 

 

 

Just applied and OMG!! :D:stop::good: Approved for Walmart Discover card for $3500..I just can't believe it.Now anybody know if it will show up as disover or GE money bank on the credit reports

 

 

Congrats..Should show up as GE Money

 

 

What were ya scores & baddies like?

Guest thundr101

Guest thundr101

Posted
Posted
That's what new Walmart Discover Card look like:

 

https://www.onlinecreditcenter2.com/walmart...rd/Splitter.htm

 

 

Ron.

 

 

 

Just applied and OMG!! :D:stop::good: Approved for Walmart Discover card for $3500..I just can't believe it.Now anybody know if it will show up as disover or GE money bank on the credit reports

 

 

WHAT are your scores like?????????????

 

Please reply.. i'd love to apply.

creditcards4me

creditcards4me

Posted
Posted
That's what new Walmart Discover Card look like:

 

https://www.onlinecreditcenter2.com/walmart...rd/Splitter.htm

 

 

Ron.

 

 

 

Just applied and OMG!! :D:grin:;) Approved for Walmart Discover card for $3500..I just can't believe it.Now anybody know if it will show up as disover or GE money bank on the credit reports

 

 

Congrats..Should show up as GE Money

 

 

What were ya scores & baddies like?

 

 

For all those who wanted to know..My scores are EQ-690,EX-671,TU-682..Dunno who they pulled yet.Have to wait and see PG tomorrow.Might be Equifax.will update tomorrow. :D that was cool .i still am reeling..

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