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.