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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: 3,915
Registered: ‎10-02-2012
0

Re: Auto upgrade Walmart Card to Discover

Congrats! Conact GE about it

$300$300
(EQ FICO ---) (EX FICO ---) (TU FICO ---) Gardening Since 07/05/15 For All 3 Credit Bureaus
(EQ Inquiries --) (EX inquiries --) (TU Inquiries --)
Moderator
Posts: 6,285
Registered: ‎08-12-2013
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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 (Wally, 9/2013) | Current: 739 (Wally, 6/4/15)
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Valued Contributor
Posts: 1,715
Registered: ‎03-07-2013
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Re: Auto upgrade Walmart Card to Discover

+2 lexie Smiley Happy


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Mega Contributor
Posts: 16,748
Registered: ‎08-08-2011
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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.

Mega Contributor
Posts: 16,748
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

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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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