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Regular Contributor
Posts: 236
Registered: ‎12-09-2011
0

Auto upgrade Walmart Card to Discover

So randomly I got a letter saying that Walmart was upgrading my card/account from their store card to the Discover card. That was about three months ago and now the card is here. But we are going through escrow....if I call to activate the card is it an inquiry? Thanks.


Starting Score: TU 660 EQ 623 EX 644
Current Score: TU 670 EQ 683 EX ???
Goal Score: 700 on all 3

Freedom: $3k, CSP: $5k, Chase Disney Premier: $5k, AmEx Zync: NPSL, Cap1 NH: $750, Cap1 Plat: $750, USC CU: $500
Moderator
Posts: 27,207
Registered: ‎09-13-2012
0

Re: Auto upgrade Walmart Card to Discover

Yes, it will report as a new TL. When does your escrow close?
Regular Contributor
Posts: 236
Registered: ‎12-09-2011
0

Re: Auto upgrade Walmart Card to Discover

November, wow I'm so happy I didn't activate that card! Can I call them and tell them I'm interested but I can't do anything until after we close?


Starting Score: TU 660 EQ 623 EX 644
Current Score: TU 670 EQ 683 EX ???
Goal Score: 700 on all 3

Freedom: $3k, CSP: $5k, Chase Disney Premier: $5k, AmEx Zync: NPSL, Cap1 NH: $750, Cap1 Plat: $750, USC CU: $500
Moderator
Posts: 27,207
Registered: ‎09-13-2012
0

Re: Auto upgrade Walmart Card to Discover

I can't remember but I thought their was an expiration date for activation. You might want to check but November just might be too long. In the end, the house is obviously your priority.
Senior Contributor
Posts: 3,947
Registered: ‎10-02-2012
0

Re: Auto upgrade Walmart Card to Discover

Congrats! Conact GE about it

Secured: Non Secured:
(EQ FICO 614) (EX FICO 631) (TU FICO 628) Gardening Since 08/15/15 For All 3 Credit Bureaus
Moderator
Posts: 6,920
Registered: ‎08-12-2013
0

Re: Auto upgrade Walmart Card to Discover


09Lexie wrote:
I can't remember but I thought their was an expiration date for activation. You might want to check but November just might be too long. In the end, the house is obviously your priority.

+1 to that




Start: 619 (TU08, 9/2013) | Current: 764 (TU08, 8/17/15)
AMEX BCE $13500 | Sallie Mae WMC $12500 | Care Credit $10200 | JCP $8000 | Overstock $5800 | Cap 1 QS $5750 | Macy's Store $5400 | BofA BBR $5000 | Citi DC WMC $5000 | Discover IT $5000 | Walmart Store $5000 | Amazon Store $5000 | Sam's Club MC $4000 | AMEX Costco TE $3500 | Macy's AMEX $3500 | Sony Card $3250 | CU Visa $2500 | Gold Violin $2350 | Target $1000 | ~~Gardening Since 8/26/15
Valued Contributor
Posts: 1,715
Registered: ‎03-07-2013
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Re: Auto upgrade Walmart Card to Discover

+2 lexie Smiley Happy


GARDEN GOAL: MARCH 2014
LAST APP: 08/20/2013
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Mega Contributor
Posts: 16,831
Registered: ‎08-08-2011
0

Re: Auto upgrade Walmart Card to Discover

Just checked my paper work. It said to activate by Dec 14. I had the upgrade offer in the mail also. I always keep my paper work in a file.

US Bank Cash+ (VSig) $10k / US Bank Ace (VSig) $10K / Discover IT $10k
Sam's Mastercard $8.5k / Walmart Mastercard $8k / PayPal SmartConnect $5.1k
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Gardening Date 5/8/15 / MyFico 08: EQ 729 / TU 724 / EX 750 / 7/12/15
Mega Contributor
Posts: 16,831
Registered: ‎08-08-2011
0

Re: Auto upgrade Walmart Card to Discover

I recieved mine about August 13 so they must give 4 months to activate. YMMV

US Bank Cash+ (VSig) $10k / US Bank Ace (VSig) $10K / Discover IT $10k
Sam's Mastercard $8.5k / Walmart Mastercard $8k / PayPal SmartConnect $5.1k
CareCredit $5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $3.55k / Citi DC (WMC) $3k
Gardening Date 5/8/15 / MyFico 08: EQ 729 / TU 724 / EX 750 / 7/12/15
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Moderator
Posts: 27,207
Registered: ‎09-13-2012
0

Re: Auto upgrade Walmart Card to Discover

@coldnmn

Thanks for checking. I'm not at home now so I didn't want to guesstimate.

OP, you should definitely check your paperwork. Sounds like you might be able to close escrow and still be able to keep the upgrade.
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