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Thanks everyone, I really appreciate the responses!
@Anonymous wrote:I know Dillards Upgrades to AMEX
and Chevron Upgrades to Visa
How do you upgrade the Dillard's store card? I've had that card for a decade and have never been offered an upgrade...I could have sworn a CSR told me you can't upgrade? Any success stories?
Do you think you can be declined for a Discover card but have your Walmart card upgraded to the Discover version?
I was wondering if they do offer upgrade from the regular Lowes store card to their Visa version.
@Anonymous wrote:Do you think you can be declined for a Discover card but have your Walmart card upgraded to the Discover version?
Yes its possible, you are confusing network with the bank. Even after the walmart card is upgraded to discover version its still backed by GE Money Bank, the fact that its a discover card is just the network used to process transactions.
Any idea what the general requirements are to upgrade? Particularly interested in the requirements for the Walmart Discover. I've seen mention that a $2000 CL is a threshold, but not sure if that's true, and I'm also not sure how long you have to have the card (at least a year?). Any insight is appreciated!
@atarvuzdar wrote:Any idea what the general requirements are to upgrade? Particularly interested in the requirements for the Walmart Discover. I've seen mention that a $2000 CL is a threshold, but not sure if that's true, and I'm also not sure how long you have to have the card (at least a year?). Any insight is appreciated!
Time and good payment history and use, if you don't get the Discover version at the start the ability to upgrade usually comes around after 18 months to 2 years but sometimes it takes longer, doesn't seem to be score dependent I have seen people getting offers with 680 FICOs and others having a 799 FICO. YMMV