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Finally got Walmart Discover upgrade offer!

Valued Contributor

Finally got Walmart Discover upgrade offer!

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 Smiley Mad  Oh well....


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

Current Scores (09/2017): EQ My Fico: 801; TU MyFico: 799; EX (My Fico): 797
Message 1 of 12
11 REPLIES
Super Contributor

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 Smiley Very Happy 

Message 2 of 12
Valued Contributor

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 (3), Chase (5), US Bank Cash+, Huntington Voice, UMB Visa, Nasa Plat Cash Visa, Barclay's Visa, Discover IT, Cap One QS, BOA (2), BMW Visa, 5/3 Real Life Rewards MC; FNBO Amex; Comenity Visa/MC (4), Ebates Visa Siggy, Nordstrom Visa, Walmart MC, Sam's Club MC; A few assorted store cards.

Current Scores (09/2017): EQ My Fico: 801; TU MyFico: 799; EX (My Fico): 797
Message 3 of 12
Regular Contributor

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)
Message 4 of 12
Established Contributor

Re: Finally gor Walmart Discover upgrade offer!

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


Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Message 5 of 12
Regular Contributor

Re: Finally gor Walmart Discover upgrade offer!

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

 

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!!!)
Message 6 of 12
Regular Contributor

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 Smiley Mad  Oh well....

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

 

6/13: FICO TU (Walmart): 750
6/13: FICO EQ (Score Watch): 769
Goal: 780+, 0 Balances, No app'ing! (For real this time!!!)
Message 7 of 12
Moderator Emeritus

Re: Finally gor Walmart Discover upgrade offer!


lovely222 wrote:

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

 

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
Message 8 of 12
Valued Contributor

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 Smiley Mad  Oh well....

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

 


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 (3), Chase (5), US Bank Cash+, Huntington Voice, UMB Visa, Nasa Plat Cash Visa, Barclay's Visa, Discover IT, Cap One QS, BOA (2), BMW Visa, 5/3 Real Life Rewards MC; FNBO Amex; Comenity Visa/MC (4), Ebates Visa Siggy, Nordstrom Visa, Walmart MC, Sam's Club MC; A few assorted store cards.

Current Scores (09/2017): EQ My Fico: 801; TU MyFico: 799; EX (My Fico): 797
Message 9 of 12
Established Contributor

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
Message 10 of 12