Reply
New Contributor
Posts: 160
Registered: ‎08-10-2011
0

PC'd GECRB Walmart to discover

Opened my store Walmart account about a year ago, at a 500 CL. Increased 4 months later to $600, then 4 more months later to $1800. Just got a credit alert that a new account was opened, GECRB/Walmart DC, called and away advised I was being given the upgrade offer to the discover version. In anyone else's experience, does this come with a CLI as well? Should I take the offer? 

 

Ive been workodors or  over a year now to establish myself with some prime lenders. Opened Amex ZYNC last November, with this discover upgrade could I finally be entering prime territory?

Wallet: American Express ZYNC, Barclaycard Financing Visa, Capital One No Hassle Cash MC

Sock Drawer: Capital One Platinum, Best Buy Reward Zone MC, GEMB Wal-Mart (Store only), WFN JCrew (Store), First Premier (Only until June when the AF hits again)
Established Contributor
Posts: 2,112
Registered: ‎09-25-2011
0

Re: PC'd GECRB Walmart to discover


mstew wrote:

Opened my store Walmart account about a year ago, at a 500 CL. Increased 4 months later to $600, then 4 more months later to $1800. Just got a credit alert that a new account was opened, GECRB/Walmart DC, called and away advised I was being given the upgrade offer to the discover version. In anyone else's experience, does this come with a CLI as well? Should I take the offer? 

 

Ive been workodors or  over a year now to establish myself with some prime lenders. Opened Amex ZYNC last November, with this discover upgrade could I finally be entering prime territory?


did you really have to make two identical posts with different titles? 


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
New Contributor
Posts: 160
Registered: ‎08-10-2011
0

Re: PC'd GECRB Walmart to discover

It was accidental. The first one didn't seem to go through when I did it on my iPad. Sorry!

Wallet: American Express ZYNC, Barclaycard Financing Visa, Capital One No Hassle Cash MC

Sock Drawer: Capital One Platinum, Best Buy Reward Zone MC, GEMB Wal-Mart (Store only), WFN JCrew (Store), First Premier (Only until June when the AF hits again)
Frequent Contributor
Posts: 355
Registered: ‎08-31-2007
0

Re: PC'd GECRB Walmart to discover

if you got an alert that a new account was opened, isn't the offer already accepted? Either way an upgrade sounds good to me

| NFCU Cashrewards $14,000 | NFCU Platinum $12,000 | NFCU Navchk $10,000 | Amex BCE $3,000 | Amex HHonors $1,700 | Chase Freedom $3,300 | Chase Sapphire Preferred $5,000 | BOA 3-2-1 $5,000 | Barclays Apple $4,450 | CapOne Quicksilver $1,000 | OCCU Beaver $5,000 | CITI Diamond Preferred $2,500| Citi TYP $5,000 | GTE FCU $3,000 | | Discover IT $3,500 | Walmart Discover $8,000 | NCSECU $750 | NASA FCU $2,000| Chase Slate $4,000 | Barclays Reward MC $1,500| Best Buy $3,000 | Wells Fargo $3,000 | Chase Amazon $3,000
Established Contributor
Posts: 1,837
Registered: ‎08-20-2012
0

Re: PC'd GECRB Walmart to discover

Congrats

Established Contributor
Posts: 608
Registered: ‎08-30-2007
0

Re: PC'd GECRB Walmart to discover

I thought you had to "accept" the upgrade.  Did it just show up on your CR as a hard pull without your knowledge?


Starting Score: 500's
Current Score: 725 EQ(DCU), 739 TU(Barclay)
Goal Score: 760 X 3


Take the myFICO Fitness Challenge

Senior Contributor
Posts: 4,520
Registered: ‎12-11-2011
0

Re: PC'd GECRB Walmart to discover

The upgrade afaik won't trigger a HP, however your walmart account will be closed and a new one will open.

From what I've read you don't need to accept the offer, they mail you the card and you can decline the offer, otherwise it just kind of happens. I may be wrong though.
;
New Contributor
Posts: 160
Registered: ‎08-10-2011
0

Re: PC'd GECRB Walmart to discover

When I called, they told me that if I turn it down then they will just remove the new account listing. There was no hard pull but it may lower my score because of aaoa. Strangely the rep couldn't tell me if I was getting a CLI with the upgrade offer. 

Wallet: American Express ZYNC, Barclaycard Financing Visa, Capital One No Hassle Cash MC

Sock Drawer: Capital One Platinum, Best Buy Reward Zone MC, GEMB Wal-Mart (Store only), WFN JCrew (Store), First Premier (Only until June when the AF hits again)

Get a myFICO recommended credit card

Copyright ©2001-2013 Fair Isaac Corporation.
All rights reserved.

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). 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.