Credit Card Center Advertiser Disclosure

Established Contributor
Posts: 619
Registered: ‎06-18-2007
0 Kudos

Has anyone been upgraded to a Sam's Club Discover or a WalMart Discover from the store cards?

My husband and I have each had Sam's Club cards for years, mine dating back to 2004.  I started with a $300 CL and they bump me up regulary, most recently to $2000.  He has been on a similar trajectory.


And he has a WalMart card, which started at $250 and is now at $1,200.  We have carried balances on these cards for a long time.  Just last week we paid all of them to zero.


We are still using the two Sam's Club cards but only to PIF each month.  No way are we paying the 23% rates all of these cards now sit at.


In the past I applied for the Discover, and was told "no."  But I owed almost all the available credit on my Sam's Club card at the time.


Has anyone had any of these cards and been spontaneously offered an upgrade by GE Money Bank?  Has anyone applied for an upgrade?  Was the rate appreciably better?  I read that there are three tiers of APR for  the Discover cards, and they look something like:  11%, 18%, and 23%.  Obviously we are at the top (possibly only) tier for the store cards.  I'd like a Discover regardless of rate, but lower rate would be better.  Thanks if anyone can share information or experiences on this.

Too many accounts; too many debts; lots of open credit, and lots of utilized credit. Scores somewhere in the 600s - I have no earthly idea exactly what number, but not 700 like it was, briefly.
Epic Contributor
Posts: 29,432
Registered: ‎10-23-2007
0 Kudos

Re: Has anyone been upgraded to a Sam's Club Discover or a WalMart Discover from the store cards?

I would call and ask, as of recently there was a thread about someone was told they had to apply for walmart discover, they couldn't upgrade, but I thought last year someone was successful in getting upgrade

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.