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.
You should call every 4 mos for a CLI. If they give you an auto-CLI, then you need to wait 4 mos after that. I tried to CLI a few mos after an auto-CLI and was denied for not enough time at current CL. They also won't CLI a new acct -- usually until after 4 mos; though they auto-CLId me after 3 (and numerous denials via the automated system!)
I was lucky w/Old Navy. Got it in March last year and CLI'd every 4 mos. In April or May of this year, I got the offer to upgrade and jumped on it.
There doesn't seem to be any rhyme or reason why someone gets an upgrade offer and others don't. The time w/current card is likely a factor, but I believe they also look at your CR when they soft you throughout the year. My CR is much better now than when I first got the ON card last March. So, the upgrade offer makes sense in that way. I rarely used the ON store card, so it wasn't heavy use that triggered the upgrade. I also never carried a balance on it, either.
I got WM last Nov for $300 CL and am currently at $2k after CLIs. I'm hoping that on my anniv they will offer me upgrade to Discover, but who knows what make them tick?! 
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