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What is the score requirement for GE cards to upgrade to visa or discover version?
My score was 650 on EQ when I got the invitation to upgrade from the Walmart store card to the Walmart Discover.
@lithium78 wrote:My score was 650 on EQ when I got the invitation to upgrade from the Walmart store card to the Walmart Discover.
how long did you have the store card?
@kobe2012 wrote:What is the score requirement for GE cards to upgrade to visa or discover version?
from my research its more related to length of relationship with them. I see people with 650's and some with 799's both with serveral years of having the card. Also limits are taken into account as well, if your account is stuck at $150 don't expect an upgrade may have to request some CLI's along hte way.
do you also have to have a low util with there walmart card?
I had the store card for 2 1/2 years, because it took a long time to get my credit scores up. I had over 20 baddies on my report at one time.
kobe2012, keep in mind that score seems to be not the only factor (or maybe it's even not the important one) considered while offering you an upgrade. Same applies to the credit limit itself. It seems that what really factors in is the age of that particular account, but that's my personal observation.
As an example, I have Walmart store card opened in Jan 2012 currently with $2000 limit and at the same time I have a separate Discover More card (so seems that I am generally eligible for Discover products). Nonetheless, I don't get an offer to upgrade to Walmart Discover, but as I've seen here there were people getting those offers with smaller CLs and lower scores, so really YMMV.
Unless your account is already several years old and has not seen any CLIs so far (almost impossible in case of GE, I think) you shouldn't worry about this at all, IMHO.
Oh ok... Im rushing into gettn an upgrade lol... Ive only had the card less than 3 months ..started at $500 And now its $900... I cant wait to get my GE cards upgraded.. Have 3 chargeoffs on my reports but from 5 yrs ago.... Not sure if those would prevent me from gettn upgrades
@Jake0215 wrote:
Does anyone know if GE offers signature versions of their visa cards when a 5k limit is reached?
I don't believe so.