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Well, I log into my Wal Mart store account today to check my recent payment, and when I do it asks me to select which account I want... the WM store card, or WM discover? I was so confused, and at first nervous wondering if someone got my information so I called. The rep told me that they are just giving qualified cardholders WM discover cards. I felt so much better knowing that it wasnt fraud, and I hung up. If I cancel this card, will it still show up on my credit report? I don't want my AAOA to be messed with and I don't want a new account to be added as I'm trying to let them age so that I can get the cards I actually want in the future. Anyone had this happen and know the affects via your CR?
Also, if I can keep it from going on my CR I will, but is the WM discover a good card? Would this be something I should consider keeping?
@jcstarkey8826 wrote:Well, I log into my Wal Mart store account today to check my recent payment, and when I do it asks me to select which account I want... the WM store card, or WM discover? I was so confused, and at first nervous wondering if someone got my information so I called. The rep told me that they are just giving qualified cardholders WM discover cards. I felt so much better knowing that it wasnt fraud, and I hung up. If I cancel this card, will it still show up on my credit report? I don't want my AAOA to be messed with and I don't want a new account to be added as I'm trying to let them age so that I can get the cards I actually want in the future. Anyone had this happen and know the affects via your CR?
Also, if I can keep it from going on my CR I will, but is the WM discover a good card? Would this be something I should consider keeping?
Take it and congrats on the upgrade
It will be a new TL and they will close out the old TL but now you can use it outside of Walmart....
I would take it its a win/win
what do you mean they will close the old tradeline? They are going to close my WM store Card? I have other cards I can use anywhere, but I was wanting to apply for better cards that I might get a higher limit with in about 6 months, and didnt want this account to interfere with that unless it had some perks or some reason to keep it. I didnt know they could just open a trade without my approval?
@jcstarkey8826 wrote:what do you mean they will close the old tradeline? They are going to close my WM store Card? I have other cards I can use anywhere, but I was wanting to apply for better cards that I might get a higher limit with in about 6 months, and didnt want this account to interfere with that unless it had some perks or some reason to keep it. I didnt know they could just open a trade without my approval?
If you accept it yes they will close the store card...sorry
You can say no you don't want it you should have received mail about the time period to say no...unless you missed it and it has gone through already.
People had like 60 days to say no if they didn't respond then that meant they accepted the offer ....call if you don't want it because at this point I think you missed the mail....
What are they going to do with the balance? They said the limit was $800 on the discover and I have a $1400 balance on WM store card.
@jcstarkey8826 wrote:What are they going to do with the balance? They said the limit was $800 on the discover and I have a $1400 balance on WM store card.
You need to call them YMMV but in most cases they saw a CLI
best bet would be to call them and ask that way you can make a better informed decision based on what you want to do...gl!
ok, looks like it was just created and I happened to catch it online. I was on hold so long the first time I figured I'd just check here before calling back, but I will call them and see. If my limit is lower I'll need to find out what happens to the balance? Thanks for all the information you were able to provide. I'll wait for a letter to read the details and call back.
Thanks guys!
Don't wait for the letter if you can see the account already IMHO you missed the letter...Call before the changes take effect or it may be to late JMO tho