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Auto upgrade Walmart Card to Discover

Regular Contributor

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
Message 1 of 10
9 REPLIES
Moderator Emerita

Re: Auto upgrade Walmart Card to Discover

Yes, it will report as a new TL. When does your escrow close?
Message 2 of 10
Regular Contributor

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
Message 3 of 10
Moderator Emerita

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.
Message 4 of 10
Senior Contributor

Re: Auto upgrade Walmart Card to Discover

Congrats! Conact GE about it

Banking with CBofTV, and HSBC.
First Premier CC $500, Discover IT Secured $200, Neiman Marcus $1,500
Chapter 7 BK Discharged on 7/11/16
Equifax, Experian, Transunion, and ChexSystem are FROZEN.
Gardening Since 12/01/2017
Message 5 of 10
Moderator

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: 791 (TU08, 12/1/17)
Sam's Club MC $25000 | Marvel MC $25000 | Macy's AMEX $25000 | AMEX BCE $20400 | Discover IT $20000 | Macy's Store $20000 | Cap 1 QS WMC $17250 | BoA BBR #1 $17200 | JCP $15000 | Citi DC $12600 | Freedom VS $12000 | BofA BBR #2 $11800 | Disney VS $11500 | Care Credit MC $11200 | Cash+ VS $10500 | CashForward WMC $10000 | Barclay Rewards WMC $10000 | WCU Visa $10000 | Amazon Store $8000 | Blispay $7500 | Target MC $5000 | Sony Card $4250 | ~~Gardening Since 11/2/17
Message 6 of 10
Valued Contributor

Re: Auto upgrade Walmart Card to Discover

+2 lexie Smiley Happy


GARDEN GOAL: MARCH 2014
LAST APP: 08/20/2013
---=[NORTHBOUND]=---
Message 7 of 10
Mega Contributor

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.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $13.5k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $6.1k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $4.85k / Citi DC (WMC) $7.1k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 8 of 10
Mega Contributor

Re: Auto upgrade Walmart Card to Discover

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

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $13.5k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $6.1k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $4.85k / Citi DC (WMC) $7.1k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 9 of 10
Highlighted
Moderator Emerita

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.
Message 10 of 10