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How to Obtain WM Discover (Updated)

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laboi_22
Established Contributor

How to Obtain WM Discover (Updated)

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
Message 1 of 19
18 REPLIES 18
jsucool76
Super Contributor

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.
Message 2 of 19
laboi_22
Established Contributor

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
Message 3 of 19
RyVision
Valued Contributor

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   Smiley LOL  

 

No CLI on it yet though  Smiley Frustrated


AKA 840flippedto480
Message 4 of 19
Anonymous
Not applicable

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.

Message 5 of 19
Shogun
Moderator Emeritus

Re: How to Obtain WM Discover

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

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 6 of 19
lithium78
Established Contributor

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: 741 (Discover FICO); EQ: 755 (MyFico) EX: 774 (FAKO)
Goal Score: 800

Take the FICO Fitness Challenge
Message 7 of 19
Ron1
Super Contributor

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.

Message 8 of 19
laboi_22
Established Contributor

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
Message 9 of 19
tcbofade
Super Contributor

Re: How to Obtain WM Discover

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

02/01/24 Fico 8: EX 757, EQ 803, TU 783.
Fico 9: EX 760 12/16/23, EQ 790 02/04/24, TU No idea.

Zero percent financing is where the devil lives...
Message 10 of 19
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