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Walmart and Discover card

Regular Contributor

Walmart and Discover card

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!

Old Navy: AU $600----------------Walmart(store card): $900 & FICO: 680
Sears Mastercard: AU $300-----TU: FICO 652 April/2012
Emblemcard: $325------------------EQ: FICO 668 April/2012
Discover: $1,000-FICO 695 4/25/12---------Bringing home Amex in 2013!
Cap1: $750 Gardening mode until April 2013
Cap1: $500



Message 1 of 11
10 REPLIES
Established Contributor

Re: Walmart and Discover card

From the threads I have read on here it takes atleast 24 months if not longer.

Message 2 of 11
Established Contributor

Re: Walmart and Discover card

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.


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

Take the FICO Fitness Challenge
Message 3 of 11
Frequent Contributor

Re: Walmart and Discover card

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.

Message 4 of 11
Valued Member

Re: Walmart and Discover card

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.

Message 5 of 11
Established Contributor

Re: Walmart and Discover card

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...


Starting Score: TU 686 EX 641 EQ 690
Current Score: TU 779 EX 767 EQ 740
Goal Score: 800 Club

BCE $12.5K, 5/3 Sig $10K, Wally Discover 10K, Cash+ $9K Sam's Discover 10K, Freedom $6K, Zales $5.5K, More $5K, Cap one $5K, Barclay 2.5K, Household Plat $1.5K, Household Gold $1.5K, Credit One $1K, First Premier Plat $.675K First Premier Gold $.65K
Message 6 of 11
Regular Contributor

Re: Walmart and Discover card

Got the upgrade offer after 20 months, nearly two years.  My TU fico hit 704 before right before they upgraded it


Starting Score: TU 608, Eq 618
Current Score: TU 797 Eq 792, Ex 805 (psecu)
Goal Score: 840 across the board


Take the FICO Fitness Challenge
Message 7 of 11
Valued Contributor

Re: Walmart and Discover card



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: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Message 8 of 11
Senior Contributor

Re: Walmart and Discover card

Weird...got my Wmt store w a 640 fico.

Got the upgrade after 24 mos with a 670-680'ish tu fico.

Got a $5k line :-) score!!!!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 9 of 11
Senior Contributor

Re: Walmart and Discover card

I think they also look at what current experience you have with other all purpose bankcards (mc, visa, disc, amex) :-)
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 10 of 11