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Gap Card upgraded

Frequent Contributor

Gap Card upgraded

Called in today after scheduling my online payment (the balance) of 62.00.  I have a 900.00 CL. I called in to see when I may be eligable for a upgrade to Visa. I told them I wish I had more of a variety of places to shop cause of the high credit line and it only being a store card. I said I dont spend that much in those particular stores. He put me on hold and told me I was able to upgrade and would recieve my card in the mail. I have a 4000 Cl and a lower interest rat (I am sure though it isn't that much lower).
Message 1 of 12
11 REPLIES
Epic Contributor

Re: Gap Card upgraded

so when you asked to upgrade, they increased your cl from 900 to 4000?

Did they do a hard pull for this upgrade? 

Message 2 of 12
Established Contributor

Re: Gap Card upgraded


laryn41 wrote:
Called in today after scheduling my online payment (the balance) of 62.00.  I have a 900.00 CL. I called in to see when I may be eligable for a upgrade to Visa. I told them I wish I had more of a variety of places to shop cause of the high credit line and it only being a store card. I said I dont spend that much in those particular stores. He put me on hold and told me I was able to upgrade and would recieve my card in the mail. I have a 4000 Cl and a lower interest rat (I am sure though it isn't that much lower).

 

Congrats!  Take good care of that Visa, and I think you can expect it to help your scores. 

pattycake's FICOs: 6/2/10 - TU: 708; EX: ???; EQ: 749
Message 3 of 12
Frequent Contributor

Re: Gap Card upgraded

He probably thought I was nuts because I told him like 4 times I didnt wasnt mu credit pulled... Then afterward I was like "are you sure you didn't pull my credit report"?  I told me it was a soft and would reflect on my credit report.

 


Thanks goodness. Havent had a hard pull in a long time and want to keep it that way.  Started with a 515 credit score about 5 years ago and now have a 706.

Message 4 of 12
Senior Contributor

Re: Gap Card upgraded

$4K on a Gap Visa is very good! Congrats!
Message 5 of 12
Established Contributor

Re: Gap Card upgraded

Congrats! What were your scores when you app'd for the card originally? Any baddies? 
08/01/2008 - 472 EQ; 523 TU; 454 EX
03/01/2009 - 574 EQ
08/08/2009 - 648 EQ
01/27/2010 - 671 EQ
07/04/2010 - 713 EQ
01/05/2011 - 730 EQ
05/14/16 - 762 EX
Message 6 of 12
Frequent Contributor

Re: Gap Card upgraded

I am not sure extact by

something like

 

630

664

690

Something like that....app'd like twice.

Online I was declined and in the store I was approved.

Message 7 of 12
Frequent Contributor

Re: Gap Card upgraded

Istarted with a $200 cl I belive and with in the 1 1/2 (or 2 years, not sure how long I have had it) It went up to 900 before I was upgraded.
Message 8 of 12
Super Contributor

Re: Gap Card upgraded

It is issued by GEMB like OldNavy card right?
Message 9 of 12
Senior Contributor

Re: Gap Card upgraded


concorduser wrote:
It is issued by GEMB like OldNavy card right?

 

It is issued by GEMB. The Gap card may be used at:

     Gap

     Old Navy

     Banana Republic

     Piperline

     Athleta

and accumulates the 5 pt/$1 reward when it is. Using the Gap Visa card elsewhere accumulates 1 pt/$1.

Message 10 of 12