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Established Contributor
laboi_22
Posts: 634
Registered: ‎07-07-2011

How to Obtain WM Discover (Updated)

[ Edited ]

What do I have to do to get an upgrade? I've been having (and using) this card for 2 years now. Just got another CLI this weekend to $4150 and still no offer. Does WM usually take this long to upgrade. My Gap Visa upgrade was less than 8 months. I'm sure I could close the card and re apply for the Discover version and get it, but that's besides the point. Any advice on upgrading? Would a call to CS even warrent my time?

Current Scores: EX - 728 FICO (5/11/13) TU - 771 FICO (7/02/13) EQ ??

Current Cards: Chase Freedom $5,000, CSP $5,700, BofA Visa Signature $15,000, AMEX BCE $6,000, Walmart $4,150, Gap Visa $10,000, JC Penny $5,800, Lowes $8,500, Dillard's AMEX $8,000, AMEX Hilton HHonors - $2,000, Chase United $12,000, Citi AAdvantage & Simplicity $6,000/$6,000, SPG AMEX $1,000
Valued Contributor
jsucool76
Posts: 2,768
Registered: ‎12-11-2011

Re: How to Obtain WM Discover

I've heard of most people who get an upgrade getting one after 1-2 years. You could always call and ask but im not sure if they'll do it on request.
Wallet: Capital One Cash Rewards 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 1286CL, Walmart Discover: 2000CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 1500CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL
Established Contributor
laboi_22
Posts: 634
Registered: ‎07-07-2011

Re: How to Obtain WM Discover

Last time I wasted my time calling, they said there was no offer on my account. The only they suggested was to reapply. Of course I'm not going to do that so calling may be a waste of time. I wonder if calling GE's backdoor/account services department might help. Anyone have any experience with this?

Current Scores: EX - 728 FICO (5/11/13) TU - 771 FICO (7/02/13) EQ ??

Current Cards: Chase Freedom $5,000, CSP $5,700, BofA Visa Signature $15,000, AMEX BCE $6,000, Walmart $4,150, Gap Visa $10,000, JC Penny $5,800, Lowes $8,500, Dillard's AMEX $8,000, AMEX Hilton HHonors - $2,000, Chase United $12,000, Citi AAdvantage & Simplicity $6,000/$6,000, SPG AMEX $1,000
Valued Contributor
RyVision
Posts: 1,346
Registered: ‎04-15-2011

Re: How to Obtain WM Discover

 

If  you've had it 2  years, it could be just around the corner for an upgrade.  I wondered about mine too and right after I was talking about it here, BOOM, offer, and I wasn't even sure I wanted to take it until after I calculated how it could affect my AAoA   :smileylol:  

 

No CLI on it yet though  :smileyfrustrated:

New Contributor
creditdreamera
Posts: 65
Registered: ‎09-22-2012

Re: How to Obtain WM Discover

I've had my card for one year, and am expecting my upgraded card within the next month. When I first applied, I did go for the Discover..so maybe that 'stayed on file' or something. I honestly don't know.

EX -682
EQ -658
TU -663
Moderator
Shogun
Posts: 10,925
Registered: ‎04-15-2011

Re: How to Obtain WM Discover

+1  I've heard 1 to 2 years of good payment history.  Good Luck!


Starting Score: 504

Current Score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
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Established Contributor
lithium78
Posts: 928
Registered: ‎07-30-2011

Re: How to Obtain WM Discover

The upgrade offers usually come around in time for holiday shopping, so I would give it at least until January before taking a hard pull for a reapply.


Starting Score: TU: 566
Current Score: TU: 736 (Walmart FICO); EQ: 755 (MyFico) EX: 774 (FAKO)
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Senior Contributor
Ron1
Posts: 4,483
Registered: ‎05-23-2009

Re: How to Obtain WM Discover

In my case, they never upgraded my WM card into WM Discover. I had to apply for the card.

 

 

Ron.

Established Contributor
laboi_22
Posts: 634
Registered: ‎07-07-2011

Re: How to Obtain WM Discover

I will update you guys once I call the credit annalists number.

Current Scores: EX - 728 FICO (5/11/13) TU - 771 FICO (7/02/13) EQ ??

Current Cards: Chase Freedom $5,000, CSP $5,700, BofA Visa Signature $15,000, AMEX BCE $6,000, Walmart $4,150, Gap Visa $10,000, JC Penny $5,800, Lowes $8,500, Dillard's AMEX $8,000, AMEX Hilton HHonors - $2,000, Chase United $12,000, Citi AAdvantage & Simplicity $6,000/$6,000, SPG AMEX $1,000
Valued Contributor
tcbofade
Posts: 1,758
Registered: ‎09-26-2011

Re: How to Obtain WM Discover

I've had mine for nearly two years, and no upgrade offer...



Current Scores: EX 711 (FCR) TU08: 658 Wally (TU08). Last app 03/08/2014.

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