If I get offer to "upgrade" to MC/VS, should I?

[pizza1]

Hey everyone!

I've got 4 store (retail) cards that have the potential later down the road to upgrade to the MasterCard/Visa version via invite. 

Walmart, JCP, Gap, Loft

If I get an offer to upgrade someday, should I take it? I know they will close the store card, and the new MC/ VS will be a new line on my reports, with the possibility of a decrease in my scores some because of that.  I would like to take the offer, just because its going to be quite a few years still before I'm eligible for majors with people like Chase, Amex, Discover, and Citi, due to my BK.  Thoughts?

[Creditaddict]

UMM YES CRAZY!

I dream of upgrade offers and I just know I'm going to have to live through you first... I'm just sure you will get it before me!

[elim]

depends where you are on AAoA and when you are planning your next spree.

i thought about walmart...

if i get the offer now, no way.

if i get it in 6 months... yes.

[JustinS]

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@pizza1 wrote:

Hey everyone!

I've got 4 store (retail) cards that have the potential later down the road to upgrade to the MasterCard/Visa version via invite. 

Walmart, JCP, Gap, Loft

If I get an offer to upgrade someday, should I take it? I know they will close the store card, and the new MC/ VS will be a new line on my reports, with the possibility of a decrease in my scores some because of that.  I would like to take the offer, just because its going to be quite a few years still before I'm eligible for majors with people like Chase, Amex, Discover, and Citi, due to my BK.  Thoughts?

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I'd definitely think it'd be a good idea to take any upgrade offers provided they do not have AF tied to them etc.

[pizza1]

CA.... Lmao!!! It's so funny, because I live thru you as well!! I don't anticipate getting upgrade offers till my scores hit at least 680+ on all three, which might be a year or two still.

Elim.... Not planning any sprees, I've got a lot of credit now, and with a bk showing, can really go on typical "sprees", lol. My next mini sorta spree isn't planned until December 2016, which at that point I will attempt Discover, NASA, Lowes, and DCU .

[Anomalous]

Yes!

[alvon123]

YESSSSS!!!!!!!!!  UPGRADE AS SOON AS POSSIBLE

[pizza1]

I'm under the impression the upgrades are by invitation only, it that correct?? If I do get one, I will take it. my scores may have to be closer to the 670-680+ range first I bet before I'm considered??

[wacdenney]

yes

[coldnmn]

Yes when I got my Walmart upgraded I got a nice CLI with it that reduced the pain of the new TL hit.