topic Barclay's AA via Walmart Upgrade? in Credit Cards

Barclay's AA via Walmart Upgrade?

QAMngrGirl — Tue, 15 Jan 2013 16:46:54 GMT

I opened a Barclay’s NFL Card last month. I opened a Walmart account in November ’12. So, if the “upgrade to Walmart Discover” option appears in my account in 6 months (or so), and I accept this offer:

1. Will this close the Walmart store card and open a new trade line? or will I have (2) trades?

2. If it is a new trade, will this new trade spook Barclay’s? &

3. Can I let the upgrade offer “sit” for a few months to avoid spooking Barclay’s or does it disappear if not used?

Thank you as always for any replies!

Re: Barclay's AA via Walmart Upgrade?

bernhardtra — Tue, 15 Jan 2013 16:58:40 GMT

When I asked about the Discover option I was told it does not happen often, that they do it about every two years. I have also been told other things as well. It should just be a product change and you keep the AAOA, so that should not spook Barclays. I am sure I have done more to spook Barclays recently than you have! I just added 4 cards to my portfolio, sometimes I think they are a little too sensitive. I am waiting to see what happens, while waiting I cashed out my points with them just in case! I will certainly make sure that if they close my account, which I pay off in full I will have words with them! (Especially, because I am due those bonus points for Christmas!)

Re: Barclay's AA via Walmart Upgrade?

aussiesareforever — Tue, 15 Jan 2013 17:16:25 GMT

The Walmart Discover is a new trade line. It will lower your AAoA as it shows up as a new account.

From everything I've read, it has taken usually at least 1 year and in some cases longer, for the upgrade to happen. I wouldn't worry too much about Barclay if you are at least six months out from when you opened your account.

Re: Barclay's AA via Walmart Upgrade?

bernhardtra — Tue, 15 Jan 2013 20:11:23 GMT

aussiesareforever wrote:
The Walmart Discover is a new trade line. It will lower your AAoA as it shows up as a new account.

From everything I've read, it has taken usually at least 1 year and in some cases longer, for the upgrade to happen. I wouldn't worry too much about Barclay if you are at least six months out from when you opened your account.

It's at the 5 month mark, so hopefully I will be OK!