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Established Contributor
laboi_22
Posts: 634
Registered: ‎07-07-2011
0

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
Frequent Contributor
atarvuzdar
Posts: 375
Registered: ‎01-20-2012
0

Re: GE Upgrades

Thanks everyone, I really appreciate the responses!

Current: EQ 673 September2013 / TU 696 September2013 (Walmart)
Start: EQ 584 Feb2012 / TU 629 July2012

Wallet: BofA Cash Rewards Visa Sig $5000 / Lowe's $6000 / JCP $3900 / eBay MC $3200 / Barclaycard Rewards $2000 / Walmart $3300 / CapOne NHRC $2000 / CapOne Platinum #1 $2000 / Amazon $1700 / Discover It $1000 / CapOne Platinum #2 (former Orchard) $750 / Amex Zync $500 Autopay
New Contributor
bmd0224
Posts: 66
Registered: ‎07-15-2012
0

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
Regular Contributor
pozativelyliving
Posts: 237
Registered: ‎07-13-2012
0

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.
Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
0

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| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
0

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| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Super Contributor
CS800
Posts: 6,552
Registered: ‎04-07-2008
0

Re: GE Upgrades

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




Valued Contributor
jamesdwi
Posts: 1,970
Registered: ‎09-16-2011
0

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 & CSP 10k & Freedom 6.6k & Amtrak 4.6k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Sally Mae5k Sams Club MC 10k, Paypal Extras MC 6k, CapOne QS 2.5k, QS 750, Amazon 3.9k, Walmart 4.5k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 6.5k and a nice stack of store cards.
Last APP 12/15/2014
Frequent Contributor
atarvuzdar
Posts: 375
Registered: ‎01-20-2012
0

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!

Current: EQ 673 September2013 / TU 696 September2013 (Walmart)
Start: EQ 584 Feb2012 / TU 629 July2012

Wallet: BofA Cash Rewards Visa Sig $5000 / Lowe's $6000 / JCP $3900 / eBay MC $3200 / Barclaycard Rewards $2000 / Walmart $3300 / CapOne NHRC $2000 / CapOne Platinum #1 $2000 / Amazon $1700 / Discover It $1000 / CapOne Platinum #2 (former Orchard) $750 / Amex Zync $500 Autopay
Valued Contributor
jamesdwi
Posts: 1,970
Registered: ‎09-16-2011
0

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 & CSP 10k & Freedom 6.6k & Amtrak 4.6k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Sally Mae5k Sams Club MC 10k, Paypal Extras MC 6k, CapOne QS 2.5k, QS 750, Amazon 3.9k, Walmart 4.5k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 6.5k and a nice stack of store cards.
Last APP 12/15/2014

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