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

Valued Contributor

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

Walmart store card CL 5k now, 0 balance.

 

I wonder if I should take the upgrade if they ever give me one... I would be losing point because of aaoa and new line reporting.

 

Correct?

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%
Message 41 of 43
Established Contributor

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


armbenderc wrote:

Walmart store card CL 5k now, 0 balance.

 

I wonder if I should take the upgrade if they ever give me one... I would be losing point because of aaoa and new line reporting.

 

Correct?



It's an upgrade, so why not take it?  The old Walmart account will be closed and yes, a new tradeline for the Walmart Discover will appear, but at least you don't get a HP from it and the affects on your AAoA/score will be short-term.  You'll probably even get a CLI with the upgrade (I think most people do?).

 

Here's hoping that you get the upgrade offer very soon!

FICOs: TU08 850 EQ08 850 EX08 849

My Wallet: Amex Gold NPSL; Amex Optima Platinum $25K; Amex BCE $12K; BofA Visa $10.1K; BofA TR Visa $18K; Cap1 Quicksilver Visa Sig $10K; CSP $28.2K; Chase Freedom $13K; Citi Costco Visa $19.3K; Citi Double Cash $13.5K; Citi Simplicity Visa $23.3K; Discover IT $50K; Fidelity Amex $25K; PenFed Plat Rewards Visa Sig $50K; Sallie Mae WMC $17.5K; Sears MC $10.1K; US Bank Cash+ Visa Sig $26K; Walmart Discover $10K; Wells Fargo Rewards Visa Sig $14K
Message 42 of 43
Valued Contributor

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


CribDuchess wrote:

armbenderc wrote:

Walmart store card CL 5k now, 0 balance.

 

I wonder if I should take the upgrade if they ever give me one... I would be losing point because of aaoa and new line reporting.

 

Correct?



It's an upgrade, so why not take it?  The old Walmart account will be closed and yes, a new tradeline for the Walmart Discover will appear, but at least you don't get a HP from it and the affects on your AAoA/score will be short-term.  You'll probably even get a CLI with the upgrade (I think most people do?).

 

Here's hoping that you get the upgrade offer very soon!


Still waiting for an upgrade. Smiley Sad

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%
Message 43 of 43