Reply
Established Contributor
Posts: 1,048
Registered: ‎02-03-2009
0

Finally got Walmart Discover upgrade offer!

[ Edited ]

Signed into my account today, and the offer to upgrade to Walmart Discover popped up (account has been open since 7/07). Also noticed the following language on agreement to upgrade:

 

In order to use your new Walmart Discover card, you must call to activate it upon receipt. Once activated, your existing account will be CLOSED and any existing balance on your Walmart Credit Card account will be transferred to your new Walmart Discover Card account. If you do not call to activate your new Walmart Discover card, after 90 days your Walmart Discover card account will be CLOSED. Your existing Walmart Credit card account will remain open.

 

I accepted the offer. The only bummer is, my existing Walmart credit line was $4500 (after most recent CLI 6/12). My new Discover limit is $4600 :smileymad:  Oh well....


CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (4), Chase (6), Nordstrom Visa,US Bank Cash+, Huntington Voice, UMB Visa, Nasa Plat Cash Visa, Barclay's Visa, Citi (5), Discover IT, Walmart Discover, Sam's MC, Cabela's Visa, Cap One QS, BOA (2), BMW Visa, Comenity Visa/MC (3), Ebates Visa Siggy, 5/3 RLR MC, Diner's Club MC; Macy's AMEX; A few store cards.

Current Scores (5/2015): EQ My Fico: 775; TU MyFico: 788; EX (My Fico): 764
Super Contributor
Posts: 5,479
Registered: ‎12-11-2011
0

Re: Finally gor Walmart Discover upgrade offer!

I wouldn't be too upset, you got a $100 CLI and an upgrade to a discover card :smileyvery-happy: 

;
Established Contributor
Posts: 1,048
Registered: ‎02-03-2009
0

Re: Finally gor Walmart Discover upgrade offer!

Not really upset....every little bit counts. My glass is half full, not half empty. Was wondering if I would EVER get the upgrade offer.


CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (4), Chase (6), Nordstrom Visa,US Bank Cash+, Huntington Voice, UMB Visa, Nasa Plat Cash Visa, Barclay's Visa, Citi (5), Discover IT, Walmart Discover, Sam's MC, Cabela's Visa, Cap One QS, BOA (2), BMW Visa, Comenity Visa/MC (3), Ebates Visa Siggy, 5/3 RLR MC, Diner's Club MC; Macy's AMEX; A few store cards.

Current Scores (5/2015): EQ My Fico: 775; TU MyFico: 788; EX (My Fico): 764
Regular Contributor
Posts: 248
Registered: ‎09-02-2011
0

Re: Finally gor Walmart Discover upgrade offer!

Congrats, can't believe it took them so long. You will auto cli too. I have gotten probably 3 since switching to discover, some after 2 months. 

Trans Union Fico (Walmart) ,690 Experian Fico (Amex) 686(Opened 3 new accounts this month. In the Garden)


AMEX BCE ($19,500) AMEX PRG -(NPSL), BARCLAYS US AIR PREMIER WORLD ($10,000), BOA CASH REWARD -($6,000), CITI HILTON RESERVE SIGGY-(5,000), WALMART DISCOVER ( $5,800), CITI DIAMOND ($4,700), CITI DIVIDED WORLD ($4,500), AMAZON STORE($5,000), NORDSTROM VISA SIG($5,000), PAYPAL STORE ($4,000) Amex Delta Gold ($2000)
Established Contributor
Posts: 697
Registered: ‎03-16-2012
0

Re: Finally gor Walmart Discover upgrade offer!

congratz! i can't wait for mine to show up....


Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



Regular Contributor
Posts: 209
Registered: ‎12-10-2010
0

Re: Finally gor Walmart Discover upgrade offer!

Oh man, I just accepted my upgrade but it only went from $1524 to $2500. :smileysad:

 

Will this kill my AAoA? It's only around4 years anyway. 

 

Boohoo. 

6/13: FICO TU (Walmart): 750
6/13: FICO EQ (Score Watch): 769
Goal: 780+, 0 Balances, No app'ing! (For real this time!!!)
Regular Contributor
Posts: 209
Registered: ‎12-10-2010
0

Re: Finally got Walmart Discover upgrade offer!


emptypockets wrote:

Signed into my account today, and the offer to upgrade to Walmart Discover popped up (account has been open since 7/07). Also noticed the following language on agreement to upgrade:

 

In order to use your new Walmart Discover card, you must call to activate it upon receipt. Once activated, your existing account will be CLOSED and any existing balance on your Walmart Credit Card account will be transferred to your new Walmart Discover Card account. If you do not call to activate your new Walmart Discover card, after 90 days your Walmart Discover card account will be CLOSED. Your existing Walmart Credit card account will remain open.

 

I accepted the offer. The only bummer is, my existing Walmart credit line was $4500 (after most recent CLI 6/12). My new Discover limit is $4600 :smileymad:  Oh well....

Does this mean I can simply not use it and no credit bureaus will know, hency my AAoA won't be affected? :smileysurprised:

 

6/13: FICO TU (Walmart): 750
6/13: FICO EQ (Score Watch): 769
Goal: 780+, 0 Balances, No app'ing! (For real this time!!!)
Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
0

Re: Finally gor Walmart Discover upgrade offer!


lovely222 wrote:

Oh man, I just accepted my upgrade but it only went from $1524 to $2500. :smileysad:

 

Will this kill my AAoA? It's only around4 years anyway. 

 

Boohoo. 


Congrats!!  I see this as a positive thing.  You will retain the history of the old account for 10 yrs.


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Established Contributor
Posts: 1,048
Registered: ‎02-03-2009
0

Re: Finally got Walmart Discover upgrade offer!


lovely222 wrote:

emptypockets wrote:

Signed into my account today, and the offer to upgrade to Walmart Discover popped up (account has been open since 7/07). Also noticed the following language on agreement to upgrade:

 

In order to use your new Walmart Discover card, you must call to activate it upon receipt. Once activated, your existing account will be CLOSED and any existing balance on your Walmart Credit Card account will be transferred to your new Walmart Discover Card account. If you do not call to activate your new Walmart Discover card, after 90 days your Walmart Discover card account will be CLOSED. Your existing Walmart Credit card account will remain open.

 

I accepted the offer. The only bummer is, my existing Walmart credit line was $4500 (after most recent CLI 6/12). My new Discover limit is $4600 :smileymad:  Oh well....

Does this mean I can simply not use it and no credit bureaus will know, hency my AAoA won't be affected? :smileysurprised:

 


No, it just means ifyou change your mind about the upgrade, just don't activate card new card, and the original (store) card will remain open. Upon activation of the news card, the existing account will be closed. The confirmation e-mail says "if for any reason you do not want the new account, please do not activate the Walmart Discover card and call us immediately." 

 

 


CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (4), Chase (6), Nordstrom Visa,US Bank Cash+, Huntington Voice, UMB Visa, Nasa Plat Cash Visa, Barclay's Visa, Citi (5), Discover IT, Walmart Discover, Sam's MC, Cabela's Visa, Cap One QS, BOA (2), BMW Visa, Comenity Visa/MC (3), Ebates Visa Siggy, 5/3 RLR MC, Diner's Club MC; Macy's AMEX; A few store cards.

Current Scores (5/2015): EQ My Fico: 775; TU MyFico: 788; EX (My Fico): 764
Established Contributor
Posts: 792
Registered: ‎08-30-2011
0

Re: Finally got Walmart Discover upgrade offer!

Congrats!! Man I have a long time to wait till I get the offer.  What's the average amount of time it takes to get the upgrade offer?

Amex BCP/BC/Zync - Amex Business GR - Barclays NFL Visa Sig 49ers/Arrival - BoA BBR - Cap 1 Quicksilver - Citi Forward/Preferred - Chase Amazon/Freedom/Ink Plus - Discover IT - Fidelity Amex - GECRB Amazon/Walmart - PenFed PRV - Target - USAA Amex - US Bank CASH+/Club Carlson
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.