cancel
Showing results for 
Search instead for 
Did you mean: 

GE Upgrades

Established Contributor

Re: GE Upgrades

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 - 771 FICO (7/02/13) 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
Frequent Contributor

Re: GE Upgrades

Thanks everyone, I really appreciate the responses!

FICO 8: EQ 784 / TU 787 / EX 785
FICO 9: EQ 797 / TU 801 / EX 790

BofA Cash Rewards Visa Sig $18,700 /Citi Double Cash $18,600 / Barclaycard Rewards $8,900 / CapOne QuickSilver $9,450 / BofA BankAmericard Visa $6,500 / Discover It $5,300 / Chase Freedom $1,500 / Lowe's $20,000 / JCP MC $10,000
Message 12 of 27
New Contributor

Re: GE Upgrades


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: 716 (from myfico)
TU Fico: 719 (from Walmart)
EX Fico: 719 (from myfico)

Chase Sapphire Pref. II AMEX Platinum II Amex PRG II Amex SPG II Citi AAdvantage II Barclays US Airways II Chase Freedom
Message 13 of 27
Regular Contributor

Re: GE Upgrades

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
Senior Contributor

Re: GE Upgrades

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.
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 15 of 27
Senior Contributor

Re: GE Upgrades

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!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 16 of 27
Super Contributor

Re: GE Upgrades

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




Message 17 of 27
Valued Contributor

Re: GE Upgrades


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. 

 

 

Cards: Chase Southwest 20k & CSR 10k & CSP 10k & Freedom 6.6k & Amtrak/Freedom 4.6k, FNBO DISC 25.1k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 10k, Paypal Extras MC 7.5k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5.9k, Walmart 10k, Citi Simplicity 9k, Discover IT 16k and a nice stack of store cards.
Last APP/HP 5/15/2017 Marcus Loan. 30k
Message 18 of 27
Frequent Contributor

Re: GE Upgrades

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!

FICO 8: EQ 784 / TU 787 / EX 785
FICO 9: EQ 797 / TU 801 / EX 790

BofA Cash Rewards Visa Sig $18,700 /Citi Double Cash $18,600 / Barclaycard Rewards $8,900 / CapOne QuickSilver $9,450 / BofA BankAmericard Visa $6,500 / Discover It $5,300 / Chase Freedom $1,500 / Lowe's $20,000 / JCP MC $10,000
Message 19 of 27
Valued Contributor

Re: GE Upgrades


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

 

 

Cards: Chase Southwest 20k & CSR 10k & CSP 10k & Freedom 6.6k & Amtrak/Freedom 4.6k, FNBO DISC 25.1k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 10k, Paypal Extras MC 7.5k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5.9k, Walmart 10k, Citi Simplicity 9k, Discover IT 16k and a nice stack of store cards.
Last APP/HP 5/15/2017 Marcus Loan. 30k
Message 20 of 27