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GERCB Sams Discover vs Walmart Discover???

Valued Contributor

GERCB Sams Discover vs Walmart Discover???

I have had a regular walmart card for a few years now and still no upgrade option yet, 4 months ago I opened a sams discover card and today I recieved my 1st cli of $3,000  totoal cl now at $7,300.00 I think sams club discover is much more generous when it comes to cli's instead of walmart discover, I am glad I have the sams discover version instead!!!!!


Starting Score: EQ 546 TU 566
Current Score: EQ 693TU 08 729 EX 08 738Need to Garden/New Accounts
Goal Score: 800
Message 1 of 7
6 REPLIES
Regular Contributor

Re: GERCB Sams Discover vs Walmart Discover???

I think once you get the Discover version of either you get really good CLI regardless to which one it is.

Trans Union Fico (Walmart) ,690 Experian Fico (Amex) 686(Opened 3 new accounts this month. In the Garden)


AMEX BCE ($19,500) AMEX PRG -(NPSL), BARCLAYS US AIR PREMIER WORLD ($10,000), BOA CASH REWARD -($6,000), CITI HILTON RESERVE SIGGY-(5,000), WALMART DISCOVER ( $5,800), CITI DIAMOND ($4,700), CITI DIVIDED WORLD ($4,500), AMAZON STORE($5,000), NORDSTROM VISA SIG($5,000), PAYPAL STORE ($4,000) Amex Delta Gold ($2000)
Message 2 of 7
Established Contributor

Re: GERCB Sams Discover vs Walmart Discover???


tray wrote:

I have had a regular walmart card for a few years now and still no upgrade option yet, 4 months ago I opened a sams discover card and today I recieved my 1st cli of $3,000  totoal cl now at $7,300.00 I think sams club discover is much more generous when it comes to cli's instead of walmart discover, I am glad I have the sams discover version instead!!!!!



Exactly how many years is a few?

Amex BCP/BC/Zync - Amex Business GR - Barclays NFL Visa Sig 49ers/Arrival - BoA BBR - Cap 1 Quicksilver - Citi Forward/Preferred - Chase Amazon/Freedom/Ink Plus - Discover IT - Fidelity Amex - GECRB Amazon/Walmart - PenFed PRV - Target - USAA Amex - US Bank CASH+/Club Carlson
Message 3 of 7
Senior Contributor

Re: GERCB Sams Discover vs Walmart Discover???

I got my Visa/Discvr GECRB upgrades after 26 months with each account, no late pays on any, and I pretty much kept Walmart maxed out at 0% before I got the upgrade to Wmt Discover. :-) I also received several CLI's up until I was upgraded on those accounts.
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 4 of 7
Valued Contributor

Re: GERCB Sams Discover vs Walmart Discover???


flowfaster wrote:

tray wrote:

I have had a regular walmart card for a few years now and still no upgrade option yet, 4 months ago I opened a sams discover card and today I recieved my 1st cli of $3,000  totoal cl now at $7,300.00 I think sams club discover is much more generous when it comes to cli's instead of walmart discover, I am glad I have the sams discover version instead!!!!!



Exactly how many years is a few?


I opened a walmart card account in December of 2009, current credit limit at $5,700.00


Starting Score: EQ 546 TU 566
Current Score: EQ 693TU 08 729 EX 08 738Need to Garden/New Accounts
Goal Score: 800
Message 5 of 7
Established Contributor

Re: GERCB Sams Discover vs Walmart Discover???


tray wrote:

flowfaster wrote:

tray wrote:

I have had a regular walmart card for a few years now and still no upgrade option yet, 4 months ago I opened a sams discover card and today I recieved my 1st cli of $3,000  totoal cl now at $7,300.00 I think sams club discover is much more generous when it comes to cli's instead of walmart discover, I am glad I have the sams discover version instead!!!!!



Exactly how many years is a few?


I opened a walmart card account in December of 2009, current credit limit at $5,700.00


Wow,  it seems like a crap shoot when they offer the upgrade then.  I too have a $5000 limit but I just can't stand having a lower tier version of the card.  I don't even need it but it still bugs me for some reason.

Amex BCP/BC/Zync - Amex Business GR - Barclays NFL Visa Sig 49ers/Arrival - BoA BBR - Cap 1 Quicksilver - Citi Forward/Preferred - Chase Amazon/Freedom/Ink Plus - Discover IT - Fidelity Amex - GECRB Amazon/Walmart - PenFed PRV - Target - USAA Amex - US Bank CASH+/Club Carlson
Message 6 of 7
Senior Contributor

Re: GERCB Sams Discover vs Walmart Discover???

I think maybe they don't offer the upgrade until your FICO reaches a certain level, like when I was offered the Discover upgrade on Walmart, I had a FICO of like 670. My Walmart Store card was actually upgraded last month. My store card limit was $2,400, and I was offered the upgrade to Discover with a $2,500 limit. At least y'all's limits are higher :-). The upgrade offer may also have to do with how many bankcards (Visa, MC, Amex, Discvr) you currently have.
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 7 of 7