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Established Member
Posts: 43
Registered: ‎10-19-2012
0

Walmart Discover Upgrade

So I received the invitation to upgrade from walmart store to discover I accept and today I resived the new discover card but when I login to the account there are 2 account one for the new discover and one for the old walmart store card is this right? I have 2 different account??  I thought it will remain the same account but with the new card can anyone let me know and can i recon the intial cl on the new discover?

Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
0

Re: Walmart Discover Upgrade

Unfortunately, the Walmart Discover invitation opens up a second tradeline with a new opening date. Anyone who receives the upgrade and accepts will have both the store card and the Discover card reporting as seperate accounts.

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Established Member
Posts: 43
Registered: ‎10-19-2012
0

Re: Walmart Discover Upgrade

Didn't know that thanks for the info I thought they close the old store card

Established Contributor
Posts: 2,112
Registered: ‎09-25-2011
0

Re: Walmart Discover Upgrade

how do you qualify for a upgrade anyways? I got a nice limit and I'm sitting on 750's credit scores now (612 when i got mine) and I'm just going deedee dee hehe


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Established Member
Posts: 43
Registered: ‎10-19-2012
0

Re: Walmart Discover Upgrade

Don't know I had the store card for almost 3 years got a cli last month and like 3 weeks later received the invitation to upgrade score is 725 never a baddy

Established Contributor
Posts: 930
Registered: ‎07-30-2011
0

Re: Walmart Discover Upgrade

They do close the store card, but it still appears as a choice on your online account even though it's closed.  It's weird, I know.


Starting Score: TU: 566
Current Score: TU: 741 (Discover FICO); EQ: 755 (MyFico) EX: 774 (FAKO)
Goal Score: 800

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Frequent Contributor
Posts: 455
Registered: ‎01-04-2012
0

Re: Walmart Discover Upgrade

yes the exact same thing happened to me your walmart card will be closed and the walmart discover will have a new account number even though it will continue to remain on your well our report for 10 years. once you activate your new card the old walmart card should be discarded. When was your last cli i do believe you should get a increase with the upgrade.

Valued Contributor
Posts: 1,339
Registered: ‎09-11-2012
0

Re: Walmart Discover Upgrade

Did you guys have zero balance when you get the upgrade?

 

I kept mine at under $200 for reporting purposes, 2.9k CL I'm due for another increase also.

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Established Member
Posts: 43
Registered: ‎10-19-2012
0

Re: Walmart Discover Upgrade

it was in 0 for more than 1 year barely used the card, had a balance of $100 when upgrade was given las cli was 3 weeks ago went from1000 to 2500 2 weeks later i resived the invitation for the upgrade

Frequent Contributor
Posts: 455
Registered: ‎01-04-2012
0

Re: Walmart Discover Upgrade


armbenderc wrote:

Did you guys have zero balance when you get the upgrade?

 

I kept mine at under $200 for reporting purposes, 2.9k CL I'm due for another increase also.


I was offered the upgrade with a balance.
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