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hello all,
I've had my walmart card for over a year now(13 months) and last month i was given an auto cli of $1000(from $900), so my cl is now $1900! i love it! my question is when do you all think i might get the offer to upgrade to discover? are there any trends i should look our for? is there any specific time frame i should expect an upgrade? i have used the walmart card heavy and sometimes PIF and sometimes just the minimum payment. Right is the UTI is at about 20%.
Thanks peeps!
From the threads I have read on here it takes atleast 24 months if not longer.
It took me about two and a half years to get the upgrade to WM Discover, but I started from really low scores. They seem to send out the upgrades around the holidays every year.
congrats on your increase! I have had my walmart card since october 2009 and recieved a letter for the walmart discover upgrade last month. Yes 3 years for my upgrade but ymmv.
From what I have seen its based on time and credit score.
The higher you can get your credit score the faster you will be approved.
Most people that get offered the WM are generally those that can qualify for a regular Discover. Are you signed up for the free credit score? If not do so. As for the time, on average it seems like @ 24 mos. or so. I was offered mine after a little over a year but I qualified for the WM but opted for the store version. Some people never seem to get offered. It seems like high use and a good score are what gets you noticed...
Got the upgrade offer after 20 months, nearly two years. My TU fico hit 704 before right before they upgraded it
lithium78 wrote:
It took me about two and a half years to get the upgrade to WM Discover, but I started from really low scores. They seem to send out the upgrades around the holidays every year.
hope so.
even though the card will be around 5 months. my walmart fico has never been below 720. and my fico's here are high 690's borderline low 700's
i was shocked when i only got the store card but it started me at 800. now it at 3k with a cli(that i asked for) last month.
im not too worried about getting discover soon since i have my chase freedom and my bank card. and this jan will be apping for costco true earnings. if i get that ill have more then enough credit to work with until all my inq fall off completely.
Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23 Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE | Buy A Home Earn Cash Back | Amex Zync(Unicorn) Chase Freedom$1500 Discover IT$7,400 Citi DC $10,000 Citizens Mastercard$7,000 |