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Established Contributor
Changingmantra
Posts: 676
Registered: ‎01-24-2008

Re: Another Walmart Store card to Walmart Discover card question. -sorry-

Is the upgrade an offer that you can decline - or do they automaticcally roll your  Walmart card over to a Discover after a certain point? 

*Note to self* Remember why and for how long you had to rebuild in the first place! One Day at a Time, One Day at a Time!
Valued Contributor
creditnocash
Posts: 2,187
Registered: ‎07-23-2012

Re: Another Walmart Store card to Walmart Discover card question. -sorry-

[ Edited ]

AF_23 wrote:

creditnocash wrote:

armbenderc wrote:

At the Walmart Credit card site, my FICO is 699.


well my walmart fico was 738 when i got the card. 

and was only approved for the store version. 

 

from what ive read some people see upgrades in a year some havent in 3

ymmv but i wish the best for you. 

 

and btw ive been getting discover pre approvals up the ying yang lateley.


Really ? I had a store card but closed it a while back. I applied again recently because i wanted a Discover option and i got it with 680ish TU at the time. I had the store card for a year and got no upgrade though


yeah my problem was at the time of app i had only one brand new non store revolver. 

thats what i think factored in. 

They gave me a 800 starting cl which from what i read on other posts is high so maybe i was just borderline for the discover? maybe if they gave me 1k lol. 

my new cards didnt hit my report yet but they inq's did. 

tu had 4 3 less then a year. 

about 40% util (which i know hurt me alot) 

aaoa at the time was about 1yr 2 months. 

 

since then though ive gotten a chase freedom, amex zync, and a 2k limit mastercard. 

and 4 pre approvals for discover more. (august till now) 

Current: Discover Fico 689 7/14 Walmart Fico 682 7/14

Inquiries (24 Months): EQ 6 TU 3 EX 4 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Valued Contributor
armbenderc
Posts: 1,339
Registered: ‎09-11-2012

Re: Another Walmart Store card to Walmart Discover card question. -sorry-

Still no upgrade.

 

2.9k CL (250ish balance) will be PIF

 

October Wal-mart TU 708.

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Senior Contributor
Booner72
Posts: 3,889
Registered: ‎05-24-2011

Re: Another Walmart Store card to Walmart Discover card question. -sorry-

I tried to call for CLI's in the past and it didn't help.  But today both DH and I got letters saying I went from 700 to 1000, and he went to 1700,  His score is 670 and mine is 713.  Whatever.

STARTING: 11/24/10 EQ-584 EXP-648 TU04-595
CLOSED FIRST HOME 8/19/11 EQ-630 EXP-691 TU04-653
CURRENT: EQ-701 EXP-??? TU08-720
Valued Contributor
armbenderc
Posts: 1,339
Registered: ‎09-11-2012

Re: Another Walmart Store card to Walmart Discover card question. -sorry-

I was just wondering...

 

Has anyone ever tried to call a backdoor/xec office numbers to GE to get their Wal-Mart store card upgraded to Wal-Mart Discover?

 

 

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Frequent Contributor
wallyworld123
Posts: 455
Registered: ‎01-04-2012

Re: Another Walmart Store card to Walmart Discover card question. -sorry-


armbenderc wrote:

I was just wondering...

 

Has anyone ever tried to call a backdoor/xec office numbers to GE to get their Wal-Mart store card upgraded to Wal-Mart Discover?

 

 


yes i tried in may and was told no i would have to apply for a walmart discover i declined, then in sept. i recieved a letter congratulating me on my upgrade to walmart discover and i have had the walmart card since oct 2009 yes 3 long years. 

Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012

Re: Another Walmart Store card to Walmart Discover card question. -sorry-

walmart dont give you monthly statements if you dont use your card????

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Valued Contributor
creditnocash
Posts: 2,187
Registered: ‎07-23-2012

Re: Another Walmart Store card to Walmart Discover card question. -sorry-


jsickz32 wrote:

walmart dont give you monthly statements if you dont use your card????


if there is 0 balance it wont generate a statement. 

Current: Discover Fico 689 7/14 Walmart Fico 682 7/14

Inquiries (24 Months): EQ 6 TU 3 EX 4 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Established Contributor
toppers555
Posts: 550
Registered: ‎09-28-2012

Re: Another Walmart Store card to Walmart Discover card question. -sorry-

Yep no balence no statement and I have a feeling this is why I can not get an cli . after having card for a year next month. when my Paypal got a 1500 cli. My statement will close on 26th with a balance for first time and I will try auto cli again.



TU 715 No apps to 05/13 cash+ 5/13!!! 738 TU CSP April 13!!!CSP approved May 13!!!


Valued Contributor
creditnocash
Posts: 2,187
Registered: ‎07-23-2012

Re: Another Walmart Store card to Walmart Discover card question. -sorry-


toppers555 wrote:
Yep no balence no statement and I have a feeling this is why I can not get an cli . after having card for a year next month. when my Paypal got a 1500 cli. My statement will close on 26th with a balance for first time and I will try auto cli again.

call the backdoor number and speak to a live rep. 

ive only had my card since july (apped july 28th) only used the card for 2 purchases and pif. totalling about 185 dollars. 

was denied by auto cli. dont even know why i even tried. 

called the backdoor number and spoke to a live person... 

went from 800 to 3k soft pull and no statements have ever been generated. 

Current: Discover Fico 689 7/14 Walmart Fico 682 7/14

Inquiries (24 Months): EQ 6 TU 3 EX 4 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000

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