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Established Contributor
Posts: 846
Registered: ‎03-16-2012
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GE cards upgrade

What is the score requirement for GE cards to upgrade to  visa or discover version? 


Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:621 EQ: 639 EX: 632
NFCU cashRewards:$500 CreditOne:$300 Merrick:$600 Milestone:$300 Cabelas:$1000 JCrew:$250 Overstock:$250 Express: $250 PaypalCredit:$1050
Established Contributor
Posts: 930
Registered: ‎07-30-2011
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Re: GE cards upgrade

My score was 650 on EQ when I got the invitation to upgrade from the Walmart store card to the Walmart Discover.


Starting Score: TU: 566
Current Score: TU: 741 (Discover FICO); EQ: 755 (MyFico) EX: 774 (FAKO)
Goal Score: 800

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Established Contributor
Posts: 846
Registered: ‎03-16-2012
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Re: GE cards upgrade


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?


Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:621 EQ: 639 EX: 632
NFCU cashRewards:$500 CreditOne:$300 Merrick:$600 Milestone:$300 Cabelas:$1000 JCrew:$250 Overstock:$250 Express: $250 PaypalCredit:$1050
Valued Contributor
Posts: 2,360
Registered: ‎09-16-2011
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Re: GE cards upgrade


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. 

 

 

 

 

Cards: Chase Southwest 20k & CSP 10k & Freedom 6.6k & Amtrak/Freeom 4.6k, FNBO DISC 25.1k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 12k Sally Mae5.5k Sams Club MC 10k, Paypal Extras MC 7.5k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5.9k, Walmart 10k, Citi Simplicity 7k, Discover IT 15.5k and a nice stack of store cards.
Last APP/HP 9/5/2016
Senior Contributor
Posts: 3,528
Registered: ‎01-19-2009
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Re: GE cards upgrade

do you also have to have a low util with there walmart card?

Established Contributor
Posts: 930
Registered: ‎07-30-2011
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Re: GE cards upgrade

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.


Starting Score: TU: 566
Current Score: TU: 741 (Discover FICO); EQ: 755 (MyFico) EX: 774 (FAKO)
Goal Score: 800

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Frequent Contributor
Posts: 272
Registered: ‎12-28-2011
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Re: GE cards upgrade

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.

In my wallet now: Amex PRG NPSL, Amex BCE $15k $17k (thanks to recent CLI), Chase Freedom 11k, CSP $6k, Chase United ME $5k, Citi Dividend $5.6k, Discover It $4.5k and a handful of other cards...
TU Dec 2013 - 752Sep 2013 - 764 - new all time maximum

Obsolete data &colonSmiley Wink Current TU - probably around ~750. I am now applying only for cards I can have fat sign-up bonuses on, repay them right away and close before next year. That's why BKLSBNKDELAWARE probably blacklisted me long ago, LOL...
Established Contributor
Posts: 846
Registered: ‎03-16-2012
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Re: GE cards upgrade

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


Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:621 EQ: 639 EX: 632
NFCU cashRewards:$500 CreditOne:$300 Merrick:$600 Milestone:$300 Cabelas:$1000 JCrew:$250 Overstock:$250 Express: $250 PaypalCredit:$1050
Frequent Contributor
Posts: 261
Registered: ‎11-10-2011
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Re: GE cards upgrade

Does anyone know if GE offers signature versions of their visa cards when a 5k limit is reached?

Starting Score: 617 EQ 10-17-11
Current Score: EQ 767 TU 769 EX 749 (all FICO but who really knows?)
Goal Score: 800


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Mega Contributor
Posts: 15,453
Registered: ‎04-09-2011
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Re: GE cards upgrade


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.

 




EQ FICO 548 3/3/16

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