GEMB goes relatively slow with WalMart CLI's for some reason. In a span of a few years, I've gone from an opening $500 CL to my current $1075, have never been offered the upgrade to a WalMart Discover. But was just approved (in an unrelated move) for a Discover More ($2500 opening CL). In GEMB comparison, I started with $800 on my Amazon Store Card and two years later am now at $2700. Granted some of my purchases on that card include a Macbook Pro and a Samsung plasma big screen TV. My PayPal SmartConnect started around $750, am now currently at $1700, I even have a QVC account that I've made all of two purchases on in a few years, started at around $800 and am currently at $2100.