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Established Contributor
laboi_22
Posts: 612
Registered: ‎07-07-2011

Re: GE Upgrades

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‎09-09-2012 04:47 PM

Lowes used to offer a Visa but no longer. It doesn't upgrade. There is an AMEX Lowes but not through GE it's actually through AMEX for businesses only.
Current Scores: EX - 728 FICO (5/11/13) TU - 774 FICO (5/16/13) EQ ??

Current Cards: Chase Freedom $5,000, CSP $5,700, BofA Visa Signature $15,000, AMEX BCE $6,000, Walmart $4,150, Gap Visa $10,000, JC Penny $5,800, Lowes $8,500, Dillard's AMEX $8,000, AMEX Hilton HHonors - $2,000, Chase United $12,000, Citi AAdvantage & Simplicity $6,000/$6,000, SPG AMEX $1,000
Message 11 of 27 (529 Views)
 
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Frequent Contributor
atarvuzdar
Posts: 309
Registered: ‎01-20-2012

Re: GE Upgrades

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‎09-09-2012 04:58 PM

Thanks everyone, I really appreciate the responses!

Current: EQ 660 March2013 / TU 696 April2013 (Walmart)
Start: EQ 584 Feb2012 / TU 629 July2012

Wallet: Discover It $1000 / CapOne NHRC $1500 / CapOne Platinum $1500 / eBay MC $2000 / Orchard $400 / Amex Zync $500 Autopay / Walmart $2000 / Amazon $1000 / Lowe's $1500 / JCP $2200
Message 12 of 27 (518 Views)
 
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New Contributor
bmd0224
Posts: 56
Registered: ‎07-15-2012

Re: GE Upgrades

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‎09-09-2012 08:09 PM

JaFo42 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?

01/11/13:
EQ Fico: 710 (from myfico)
TU Fico: 741 (from Walmart)
EX Fico: 737 (from BoA)

Chase Sapphire Pref I Chase Mileage Explorer I Amex Delta I Amex PRG I Chase PC Rewards I Dillards I BoA123 I Walmart Discover I Cap One I BoA Hawaiian Airlines I Amex Hilton Honors

Message 13 of 27 (480 Views)
 
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Regular Contributor
pozativelyliving
Posts: 237
Registered: ‎07-13-2012

Re: GE Upgrades

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‎09-10-2012 07:48 AM

Do you think you can be declined for a Discover card but have your Walmart card upgraded to the Discover version? 

EX 638 (Lender 9/1) TA 650(Walmart 9/1) EQ 655 (FICO - 9/17)
Goal - 700 Club in '13!!!

My Wallet - Cap 1 - $300. Cap 1 - $750. Orchard - $950.
New as of 8/29 - Target - $3000. Barclay's - $2000. Merrick - $1000. Walmart $600. And as of 9/22 - JCP $200.
Message 14 of 27 (424 Views)
 
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Valued Contributor
youngandcreditwrthy
Posts: 3,789
Registered: ‎08-16-2012

Re: GE Upgrades

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‎09-10-2012 07:53 AM

I think so... I have. $5k Wmt Discvr, but I'm almost certain if I applied for a real Discvr, my reason for denial would be:
-paid or unpaid CO in the past :-/

At least, that's what it was when I applied spring of 2011. :-/

GE has more lax uw'ing standards than Discover.
Paypal Extras Plat MC $25k | Lowe's $12k | Amex BCE $10.5K | WMT Discover $15k | Ban Repub Visa $14k | Dillard's $10k | Travelocity Amex $7.7k | JCP $6.5K | Smile Gen $6.25k | Freedom Visa $5k | Citi Dia Pref $5k | C1 No Hassle Cash Visa $5k | Discover IT $4.75k | Amazon Store $10k | ANFitch $2.95k | Express $3.05K | Chevron $2.1k | Orchard Gold $1.7k
Message 15 of 27 (417 Views)
 
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Valued Contributor
youngandcreditwrthy
Posts: 3,789
Registered: ‎08-16-2012

Re: GE Upgrades

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‎09-10-2012 07:54 AM

Those CSR's have no idea what they are talking about... They told me they didn't offer the BR Visa, then low and behold... I got an offer online to upgrade. Lying b******s. Hahaha!
Paypal Extras Plat MC $25k | Lowe's $12k | Amex BCE $10.5K | WMT Discover $15k | Ban Repub Visa $14k | Dillard's $10k | Travelocity Amex $7.7k | JCP $6.5K | Smile Gen $6.25k | Freedom Visa $5k | Citi Dia Pref $5k | C1 No Hassle Cash Visa $5k | Discover IT $4.75k | Amazon Store $10k | ANFitch $2.95k | Express $3.05K | Chevron $2.1k | Orchard Gold $1.7k
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Super Contributor
CS800
Posts: 6,117
Registered: ‎04-07-2008

Re: GE Upgrades

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‎09-10-2012 07:55 AM

I was wondering if they do offer upgrade from the regular Lowes store card to their Visa version.





Message 17 of 27 (411 Views)
 
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Valued Contributor
jamesdwi
Posts: 1,113
Registered: ‎09-16-2011

Re: GE Upgrades

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‎09-10-2012 07:58 AM

pozativelyliving 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. 

 

 

Wallet: FNBO DISC 7.5k, , Chase Freedom 3.3k & Slate 3.3k, AMEX BCP 7.5k & AMEX Hilton Surpass 5.5k & AMEX Zync NPSL, Walmart 3.3k, CapOne AU 1.5k
Sockdrawer: Paypal Extras MC 3.2k, CapOne 2k, CapOne 750, Amazon 3.9k, Sams Club store 4.8k, and a nice stack of store cards.
Last APP 5/16/2013
Message 18 of 27 (407 Views)
 
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Frequent Contributor
atarvuzdar
Posts: 309
Registered: ‎01-20-2012

Re: GE Upgrades

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‎09-10-2012 08:21 AM

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!

Current: EQ 660 March2013 / TU 696 April2013 (Walmart)
Start: EQ 584 Feb2012 / TU 629 July2012

Wallet: Discover It $1000 / CapOne NHRC $1500 / CapOne Platinum $1500 / eBay MC $2000 / Orchard $400 / Amex Zync $500 Autopay / Walmart $2000 / Amazon $1000 / Lowe's $1500 / JCP $2200
Message 19 of 27 (393 Views)
 
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Valued Contributor
jamesdwi
Posts: 1,113
Registered: ‎09-16-2011

Re: GE Upgrades

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‎09-10-2012 08:23 AM

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

 

 

Wallet: FNBO DISC 7.5k, , Chase Freedom 3.3k & Slate 3.3k, AMEX BCP 7.5k & AMEX Hilton Surpass 5.5k & AMEX Zync NPSL, Walmart 3.3k, CapOne AU 1.5k
Sockdrawer: Paypal Extras MC 3.2k, CapOne 2k, CapOne 750, Amazon 3.9k, Sams Club store 4.8k, and a nice stack of store cards.
Last APP 5/16/2013
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