GE/Synchrony store cards version to visa or m/c upgrade and auto CLI

[Anonymous]

Hello everyone!

GE/Synchrony store cards version to visa or m/c upgrade and auto CLI

I am rebuilding my credit from a BK filed 7/2012, discharge 11/2012, and working with a credit repair agent to correct some baddies on my student loans wrongfully reported. At this moment I have been approve for a total of 10 credits cards....the Discover It, and the rest are store version credit cards. Here is my list: Best Buy $1,000 (3/2014), Old Navy $200 (5/2014), Victoria Secret $250 (5/2014), Amazon Store $600 (5/2014), PayPal SmartConect $500 (5/2014), Discover it $1,000 (6/2014), Macys $600 (6/2014), JCPenney $200 (7/2014), QVC $400 (7/2014) & TJMaxx $250 (7/2014).

I am gardening for a whole year...because I really want the Chase Freedom or the BOA cash rewards or Amex blue rewards. At this moment my CScores are 600-670's

Here is my question for my upgrade able GE store cards. Did they upgrade to their visa or m/c? When? How often they auto CLI? If possible if I use it wisely, PIF every month to get their visa/MC version before August 2015....if my scores at that date reach the 700's?

Old Navy $200 (5/2014) to visa version

PayPal SmartConect $500 (5/2014) to visa version

JCPenney $200 (7/2014) to MasterCard version

TJMaxx $250 (7/2014) to MasterCard version

[CreditUnionFan]

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@Anonymous wrote:

Hello everyone!

GE/Synchrony store cards version to visa or m/c upgrade and auto CLI

I am rebuilding my credit from a BK filed 7/2012, discharge 11/2012, and working with a credit repair agent to correct some baddies on my student loans wrongfully reported. At this moment I have been approve for a total of 10 credits cards....the Discover It, and the rest are store version credit cards. Here is my list: Best Buy $1,000 (3/2014), Old Navy $200 (5/2014), Victoria Secret $250 (5/2014), Amazon Store $600 (5/2014), PayPal SmartConect $500 (5/2014), Discover it $1,000 (6/2014), Macys $600 (6/2014), JCPenney $200 (7/2014), QVC $400 (7/2014) & TJMaxx $250 (7/2014).

I am gardening for a whole year...because I really want the Chase Freedom or the BOA cash rewards or Amex blue rewards. At this moment my CScores are 600-670's

Here is my question for my upgrade able GE store cards. Did they upgrade to their visa or m/c? When? How often they auto CLI? If possible if I use it wisely, PIF every month to get their visa/MC version before August 2015....if my scores at that date reach the 700's?

Old Navy $200 (5/2014) to visa version

PayPal SmartConect $500 (5/2014) to visa version

JCPenney $200 (7/2014) to MasterCard version

TJMaxx $250 (7/2014) to MasterCard version

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With the Old Navy, JCP, and TJX cards, there are folks who have gotten the upgrade offers. It's a wait and see deal.

I don''t believe the PayPal SmartConnect ever upgrades, but perhaps someone has a story on that one.

[coldnmn]

My Walmart took 26 months and SmartConnect as far as I know never. YMMV

[lonelyisland]

Also just FYI, both Comenity and GE close your store card, transfer everything to the new card and start reporting a new TL, so if you are sensitive to AAoA decreasing, it's something to know.

[CreditPlay]

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@lonelyisland wrote:
Also just FYI, both Comenity and GE close your store card, transfer everything to the new card and start reporting a new TL, so if you are sensitive to AAoA decreasing, it's something to know.

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Why would it hurt AAoA if they transfer everything to the new card? you mean they would transfer the balance and not the account history-open date etc ?

[coldnmn]

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@Jayx wrote:

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@lonelyisland wrote:
Also just FYI, both Comenity and GE close your store card, transfer everything to the new card and start reporting a new TL, so if you are sensitive to AAoA decreasing, it's something to know.

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Why would it hurt AAoA if they transfer everything to the new card? you mean they would transfer the balance and not the account history-open date etc ?

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Correct from a store card to a credit card will be a new trade line with GE.

[CreditPlay]

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@coldnmn wrote:

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@Jayx wrote:

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@lonelyisland wrote:
Also just FYI, both Comenity and GE close your store card, transfer everything to the new card and start reporting a new TL, so if you are sensitive to AAoA decreasing, it's something to know.

---

Why would it hurt AAoA if they transfer everything to the new card? you mean they would transfer the balance and not the account history-open date etc ?

---

Correct from a store card to a credit card will be a new trade line with GE

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Thanks , i dint know that. I got lucky i guess to qualify for the ae visa in the first place.

[Anonymous]

Yes! You are! I am lucky too...I can't complain, when I think nobody will give a line of credit for anything..I got this cards..so I am on my way to rebuild my credit...I am just wondering how GE rewards it's cardholders...

[taxi818]

They reward with huge Cli's  every 4 months so in two years. Your 500 card will be 4k